3i>83 


UC-NRLF 


^B   b3h    7D1 


CALIFORNIA. 


^.arE>s. 


To  be  attached  inside  of  cover  of  all  Rate  Books. 

No  Rebate  or  Donation. 

The  rates  prescribed  by  the  several  Rate  Books  are 
the  minimum  net  rates  to  be  paid  by  the  insured,  and 
no  rebate  therefrom  in  the  shape  of  division  of  com- 
mission, donation  or  otherwise,  or  any  concession  which 
shall  effect  a  reduction  of  premium  to  be  paid  by  the 
assured.  Is  to  be  permitted  by  any  Company,  Agent  or 
Broker. 


GIFT  OF 


^0 


0^ 


OF 


^^T^, 


S 


i^oR  the:  use:  and  oxjidance:  ob^ 

FireUnderwriters. 

ON  TH^ 

PACIFIC    COAST. 


SAN  FRANCISCO  : 


PUBLISHED  BY  THB  PACIFIC  INSURANCE  UNION. 

e;.  c.  hughes,  printer,  5ii  sansome;  st.,  s.  f. 

July,  j8S6. 


REVISED,  August,  1892. 


':.-• 


^•[:«0 


INDEX. 


Page 

Rule  for  Determining  Rate  of  Premium 4 

Classification  of  Buildings 5 

Alphabetical  Table  of  Hazards 7-23 

Charges  for  Deficiencies,  Privileges  and  Exposures — 

B  Class 24  and  25 

Charges  for  Deficiencies,  Privileges  and  Exposures — 

C  Class 26and27 

Charges  for  Deficiencies,  etc. — Single  D  Class  Building..28  and  29 

Charges  for  Deficiencies,  etc. — D  Class  Range 30  and  31 

Maximum  Rate 31 

General  Rules — 

No.    1. — Dwelling  Houses 32 

No.    2. — Doctors,  Dentists,  Dressmakers, Tailors,  etc.  32 

No.    3. — Brick  and  Frame  Buildings 32 

No.    4. — Awnings  and  Shake  Roofs 32 

No.    5.— Cloth  Lining 33 

No.    6. — Buildings  occupied  for  a  Common  Purpose  33 

No.    7. — Frame  Buildings  with  Compartments 34 

No.    8. — Buildings  in  Course  of  Construction 34 

No.    9.— 34 

No.  10. — Buildings  being  Removed 35 

No.  11. — Removal  of  Property 35 

No.  12.— Long  Term  Risks 35 

No.  13.— Short  Term  Risks 36 

No.  14. — Distances  between  Buildings 36 

No.  15.— Intervening  Brick  Wall 36 

No.  16. — Permits  and  Privileges 36 

No.  17. — Boarding  and  Lodging  Houses 36 

No.  18.— Hotels 36 

No.  19. — Petroleum  Products  and  Gas  Machines  . .  37 

No.  20.— Writing  of  Policies 38 

No.  21.— Steam  Boiler  or  Steam  Power 39 

No.  22.— General  Merchandise  Stock 39 

No.  23.— Boot  and  Shoe  Factories 39 

No.  24.— Chemicals 39 

No.  25.— Powder 40 

No.  26. — Fruit  Canning  Establishments,  etc 40 

No.  27. — Salmon  Canning  Establishments 41 

No.  28.— Electric  Light  (see  EE.,  rule  20,  page 38) . . 

No.  29.— Watchman's  Clause 41 

No.  30.— Patterns 41 

Table  of  Short  Rates 42 

General  Resolutions 43-44 


285381 


Rule  for  Deterniinitig  Rate  or  premium. 


I 


First  ascertain  the  classification  of  the  building  to  be  insured, 
•or  containing  the  property  to  be  insured,  as  per  the  *'  Classifica- 
tion of  Buildings,"  on  page  5,  designated  B,  C,  D  and  Range. 
It  being  ascertained  which  of  these  classes  the  building  belongs 
to,  refer  to  the  ''Alphabetical  Table  of  Hazards,"  pages  7  to  23 
inclusive,  and  the  highest  rate  named  therein  for  any  occu- 
pancy t  in  the  building  or  range  {not  prefixed  with  a  st-ar'^)^  will 
be  the  basts  rate  for  SMch  building  or  range,  and  all  contents 
thereof  not  prefixed  with  a  star  ^. 

Such  occupancies  as  are  prefixed  with  a  star  ^  take  their  own 
basis  ratCy  unless  such  rate  is  less  than  the  basis  rate  of  the 
highest  rated  occupancy  not  prefixed  with  a  star"^,  in  which 
latter  case  such  highest  rated  occupancy  determines  the  basis 
rate  for  the  entire  building  or  range  and  contents,  excepting 
higher  rated  star"^  hazards. 

When  a  building  or  range  does  not  contain  any  of  the  occu- 
pancies named  in  the  ''Alphabetical  Table  of  Hazards,"  or 
when  all  of  the  occupancies  are  prefixed  by  a  star"^,  the  basis 
rate  for  such  building  or  range  shall  be  that  of  its  class,  B,  C,  D 
or  Range,  given  under  the  head  of  "  Classification  of  Buildings," 
on  page  5;  and  the  basis  rate  for  each  star"^  occupancy  con- 
tained in  such  building  or  range  shall  be  taken  from  the 
"Alphabetical  Table  of  Hazards." 

The  basis  rate  being  correctly  ascertained,  next  refer  to  the 
rules  concerning  additions  for  deficiencies,  privileges  and 
exposures,  on  pages  24  to  31  inclusive,  and  the  proper  charges 
therefor  (if  any  are  to  be  made),  added  to  the  basis  rate,  fix  the 
minimtun  tariff  rate  for  any  given  risk,  except  in  the  cases 
where  the  rate  thus  ascertained  exceeds  the  maximum  rate  given 
on  page  31. 

t  If  a  building  is  not  occupied,  the  evident  purpose  for  which  it  has  been 
or  is  being  constructed,  or  for  which  it  is  to  be  occupied,  shall  determine  its 
occupancy. 

Note.— In  connection  with  the  above  rule,  see  General  Rules  2,  page  32, 
and  7,  page  34. 

*  Star  Hazards.— The  stars  prefixed  to  stocks  in  the  schedule  do  not  apply 
to  the  furniture  of  the  store  containing  the  .stock. 

When  a  building  or  range  contains  only  star  hazards  and  occupancies 
<such  as  Dwellings)  having  lower  basis  rates  than  the  building  or  range, 
according  to  its  class,  the  basis  rate  for  such  building  or  range,  and  for  such 
occupancies,  other  than  the  star  hazards,  shall  be  that  of  its  class  as  per 
Classification  of  Buildings,  page  6. 


[5] 

Classification  of  Buildings* 


B  CLASS. 


A  building  with  all  of  its  exterior  walls  built  of  brick,  stone,  adobe  or  con- 
crete, and  having  a  metal,  slate,  tile,  brick  or  composition  roof,  and  side  walls 
extending  above  the  roof.  A  building  with  side  walls  not  extending  above 
the  roof,  but  in  all  other  particulars  up  to  the  standard  of  B  class,  may  be 
rated  as  such  if  detached  60  feet  from  all  B,  C  or  D  Class  buildings. 

Note.— That  any  roof,  other  than  a  wooden  roof,  shall  be  considered  as 
meeting  the  above  requirements  of  a  B  class  building  in  respect  to  roofs,  even 
if  such  roof  is  protected  by  a  wooden  roof. 

-f  Basts  rate  on  a  building  of  this  class 1 .40 


C  CLASS. 


A  building  which  varies  from  the  standard  of  a  B  class  building  in  any  one 
or  more  of  the  following  particulars,  viz: 

First.— In  having  a  front  wall  (only)  of  wood. 

Second— In  having  a  shingle  shake  or  mansard  roof. 

Third—In  having  side  walls  not  extending  above  the  roof,  unless  the 
building  is  detached  50  feet  from  all  other  B,  C  or  D  Class  Buildings. 

Fourth,— In  having  a  frame  structure  on  the  roof,  as  described  in  Rule  3 
on  page  32. 

-\ Basis  rate  on  a  building  of  this  class 1 .  68 

The  several  divisions  of  a  B  or  C  Class  building  shall  not  be  considered  as 
distinct  buildings,  although  separated  from  each  other  by  a  brick  or  stone 
wall  or  walls,  uniess  such  wall  or  walls  are  without  an  opening  or  openings, 
and  rise  above  the  roof.  Any  number  of  divisions  constitute  one  building, 
when  the  division  wall  or  walls  do  not  rise  above  the  roof;  and  the  rate  for 
the  highest  rated  occupancy  in  such  a  building  (not  prefixed  in  the  Table  of 
Hazards  with  a  *)  is  the  basis  rate  for  the  building. 

Two  or  more  distinct  B  and  (or)  C  Class  buildings  immediately  adjoining 
and  connected  with  each  other  by  an  opening  or  openings  shall  be  considered 
(as  to  rate)  as  constituting  one  building,  unless  each  of  such  openings  is  pro- 
vided with  a  wooden  door  two  inches  in  thickness  and  covered  with  tin  or 
galvanized  iron,  or  with  an  iron  door  at  least  three-sixteenths  of  an  inch  in 
thickness;  and  the  rate  for  the  highest  rated  occupancy  in  the  buildings  (not 
prefixed  in  the  Table  of  Hazards  with  a  *)  is  the  basis  rate  for  the  buildings. 


D  CLASS 


structed  of  brick,  stone,  iron,  adobe  orjconcrete,  but  not  up  to^the  standard  of 
a  C  Class  building. 

-\Basis  rate  on  a  building  of  this  class 2.50 

RANGE. 

♦Two  or  more  D  Class  buildings  constitute  a  Range  when  they  adjoin  each 
other,  or  when  there  is  less  than  10  feet  space  between  them  on  the  front,  rear 
or  either  side.  (See  rules  3,  page  32;  6,  7  and.8,  pages  33  and  34, 14  and  16, 
page  36.) 

■f Basis  rate  on  a  building  of  this  class 2.60 

*4®* Veneered  buildings  are  to  be  considered  as  D  Class, 

ti8QS=*The  foregoing  rates  apply  to  buildings  and  their    contents  for  which 

there  is  no  rate  in  the  following  "Alphabetical  Table  of  Hazards,"  and  to 

buildings  containing  only  star  (*)  hazards. 

r*Book  4  Cal.— 1.] 


,..[■7,] :._,.,, 


iiipDaftetical  Cable  of  Bazaras* 

YEARLY  BASIS  RATES  FOR  $100. 


The  bas  's  rate  for  C  Class  is  one-fifth  more  than  B  CI  ass  rate. 
(See  rule  21,  page  39.) 


B 
Class. 


D 

Class. 


AcADKMiKS,  day  Students  only  || 

Academies,  boarding,  with  dormitories ||.. 

Agricultural  Implement  Stocks 

Agricultural  Implement  Factories,  hand 

power   

Agricultural  Implement  Factories,  steam 

powerf 

Ale^ofBeer  Stocks,  wholesale  (no  saloon  or 

bar) 

Alms  or  County  Poor  Houses  || 

*  Apothecaries'  Stocks,   retail  (see  Drug 

Stocks) 

Asphaltum  Roofing  Establishments .  . . , 
Assaying  and  Refining  Establishments. 
Asylums,    Blind,    Deaf  and   Dumb,  and 

Orphan  || 

Asylums,  Insane  || 

Auction  and  Commission  Stocks,  wholesale 

Auction  Stores,  retail 

Awnings  (see  rule  4,  page  32) 


.80 
1.00 
1.60 

2.25 

3.00 

1.40 
1.50 

1.85 
4.00 
1.70 

1.00 
1.50 
1.60 
1.60 


1.50 
1.75 
2.50 

3.50 

5.00 

2.50 
2.50 

3.00 
7.00 

2.75 

1.75 
2,50 
2.50 
2.50 


Bag  (sewed)  Factorie;s  (no  steam  power) 
Bag  (sewed)  Factories,  steam  powerf  . 
Bag  (paper)  Factories,  steam  powerf . . 

Bakeries  (no  steam  power) 

Bakeries,  steam  power  (to  be  specially  rated) 

The  basis  rate  for  C  Class  is  one-fifth  more  than  B  Class. 
tThe  charge  for  Steam  Boiler  or  Steam  Power  is  included, 
flSee  rule  for  lyong  Term  Risks  on  page  35. 


2.50 
3.50 

3.00 


m 


B 
Class. 


D 

Class. 


^Bakers'  Stocks  (no  oven) 

Banking  Houses,  Furniture  and  Fixtures 

therein 

Barbers' Shops,  Furniture,  Fix.  and  Stocks 
^Barber  Shops,  without  bathrooms .... 

Bark\"fBark  Sheds 

Barns,  private,  within  the  corporate  limits 

of  towns|| 


1.75     2.75 


1.25 
1.60 
1.60 


Barns,  private,  outside  the  corporate  limits 

of  towns] I 

Barrel  Factories,  steam  powerf 

Basket  and  Willow  Ware  Factories .... 

Basket  and  Willow  Ware  Stocks 

Bath  Houses,  (no  charge  for  boiler) .  .  . 

Bell  Hangers'  Shops 

Billiard  Saloons 

Billiard  Saloons  in  Hotels  (see  rule  6, p.  33) 

Billiard  Table  Factories 

Blacksmiths' ^or'^Horse  Shoeing  Shops.  .  . 
Blacksmiths'  and  Wheelwrights' Shops. . 

Bleaching  Shops  (straw,  etc.)t 

Blind,  Sash  &  Door  Factories,  hand  power 
Blind,  Sash  &  Door  Factories,  water  power 
Blind,  Sash&Door  Factories,  steam  powerf 

Blind,  Sash  and  Door  Stocks 

Block  "o";^  Pump  Factories 

Boarding  '";'  Lodging  Houses  (see  rule  17, 

page  36) 

Containing  10  sleeping  rooms 

Exceeding   10,    and  not  exceeding  15 
sleeping  rooms 

Exceeding,    15   and  not  exceeding  20 
sleeping  rooms 

Exceeding  20  sleeping  rooms 

Boat  Building  Shops 


2.00 
2.50 
2.50 
1.75 


1.00     1.50 


1.50 

2.25 

4.00 

6.00 

1.90 

3.00 

1.70 

2.75 

1.60 

2.50 

1.76 

2.75 

1.70 

2.50 

2.25 

3.50 

3.25 

4.75 

1.75 

2.75 

2.25 

3.50 

2.00 

3.25 

3.25 

5.00 

5.00 

8.00 

6.00 

10.00 

1.75 

3.00 

2.25 

3.75 

1.00 

1.25 

1.25 

1.75 

1.50 

2.25 

1.75 

2.75 

2.50 

4.00 

The  das7s  rate  for  C  Class  is  one-fifth  more  than  B  Class. 
fThe  charge  for  Steam  Boiler  or  Steam  Power  is  included. 
I  See  rule  for  r,ong  Term  Risks  on  page' 35. 


[9] 


B 
Class. 


Boats  (steam)  on  stocks  and  laid  up 

Boats  (steam)  running 

Boiler  Shopsf 

Book  Binderies 

*Book  and  Stationery  Stocks 

Boot  &  Shoe  Factories(see  rule  23,  on  p.  39) 

Boot  and  Shoe  Stocks,  wholesale 

Boot  and  Shoe  Shops  and  Stocks,  custom 

work  and  retail  sales  only  (rubber  cement 

may  be  used  during  daylight  only) .... 

Bottling  Establishments 

Bowling  Alleys 

Box  Factories,  steam  powerf 

Breweries,  without  malt  kilnf 

Breweries,  with  malt  kilnf 

Brewers'  Stocks 

Bridges,  foot  and  carriage,  free  or  toll|| . . 

Bridges,  railroad,  open|| 

Bridges,  railroad,  covered|l 

Broom  and  Brush  Factories 

Broom  Factories 

Brush  Factories 

Broom  Corn  in  Bales 

Broom  Corn,  loose 

Bucket,  Pail  and  Tub  Factories,  dry-house 

detached  as  per  Tables  of  Exposuresf 
Bucket,  Pail  and  Tub  Factories,  dry-house' 

not  detachedf | 

Butchers'  Shops,  without  rendering  kettle' 
Butchers'  Shops,  with  rendering  kettle .  .  I 
Butchers'  Shops,  (rendering  and  smoking). 
Butter  and  Cheese  Stocks 


2.40 
1.90 
1.75 
2.50 
1.50 


1.60 
1.70 
1.70 
6.00 
2.50 
3.50 
1.70 


2.50 
2.50 
2.00 
2.00 
2.50 

5.00 


Cabinet  Shops 

Candle   Factories  (see  Soap  and   Candle 
Factories) 

The  basis  rate  for  C  Class  is  one- fifth  more  than  B  Class. 
tThe  charge  for  Steam  Boiler  or  Steam  Power  is  included. 
usee  rule  for  I^ong  Terra  Risks  on  page  35. 


[10] 


B 
Class 


Candy  ^"r^  Confectionery  Factories 

^Candy  ^^f  Confectionery  Stocks  (no  man- 
ufacturing)   . 

Canned  Fish,  Fruit,  Meat  and  Vegetable 
Stocks  (no  manufacturing) 

Cap  Factories  (see  Hat  and  Cap  Factories) 

Carpenters'  Risk  (see  rule  8,  page  34, 
and  rule  16,  page  36) 

Carpenters'  Shops 

Carpet  Stocks 

Carriage  Trimming  Shops  (no  woodwork- 
ing)  

Carriage  and  Wagon  Repositories,  for  fin- 
ished Stock 

Carriage,  Wagon  and  Car  Factories  (no 
power) 

Carriage,  Wagon  and  Car  Factories,  steam 
powerf 

Cement  Stocks,  without  lime  (see  Lime).. 

Chair  Stocks  (setting  up  done) 

Cheese  and  Butter  Stocks 

Cheese  Factories .  .  .  . 

Chemical  Laboratories 

Chickory  Factories  and  Kilnsf . 

Chinese  Merchandise 

Chinese  Wash  ^o?  Ironing  Houses 

Churchesll 

Cigar  Factories 

*  Cigar  and  Tobacco  Stocks,  wholesale. .  . 

*'^' Cigar  and  Tobacco  Stocks,  retail  (see 
rule  6,  page  33) 

City  Halls,  with  or  without  jail|| 

Cityjailsll 

Cloak  and  Mantilla  Stocks 

*Clock  Stocks 

Clothing  Factories 

Clothing  Stocks  (ready-made)  ^2f  Cloth.  . 

Clothing  Stocks,  second-hand 

Club  Rooms 


2.00 

1.75 

1.40 
1.65 


2.50 
1.50 

2.25 

1.60 

2.25 

3.00 
1.50 
1.90 
1.50 
1.75 
3.00 
3.75 
1.75 
2.25 
.85 
2.00 
2.00 

2.00^ 

1.25 

1.25 

1.65 

1.65 

1.50 

1.40 

1.75 

1.85 


rt 


The  bast's  rate  for  C  Class  is  one-fifth  more  than  B  Class. 
fThe  charge  for  Steam  Boiler  or  vSteam  Power  is  included. 
BSee  rule  for  IvOng  Term  Risks  on  page  3ft. 


[11  ] 


B 
Class. 


Coal  Oil  and  similar  Stocks  sold  exclusively 
or  with  LampStocks(seerule  19,  page  37)! 

Coal^J?  Wood  Yards  (see  rules  6,  page  33, 
and  7,  page  34) 

Cobblers'  Shops  (see  rule  2,  page  32) 

Coffee  ^:^  Spice  Millsf 

*  Coffee  and  Spice  Stocks  (no  roasting) .  . 

Coffin-makers'  Shops 

Colleges,  without  dormitories|| 

Colleges,  with  dormitories|| 

Composition  Roofing  Works 

Concentrators  &  Chlorination  Works.  See  Quartz  Mills 

Coopers'  Shops,  hand  power 

Coopers'  Shops,  steam  powerf 

Coppersmiths'  Shops 

Cordage  and  Rope  Stocks 

*Cork  Stocks 

*Costumers'  Stocks 

Cotton  Mills  (to  be  specially  rated) 

County  Jailsll 

County  Officesll 

County  Poor  Houses|| 

Court  Houses,  with  or  without  jail  || ... . 

Crockery,  China  and  Glassware 

Curriers'  and  Leather  Dressers'  Shops 
(no  tanning,  or  bark  mill) 


2.25 


3.00 
1.60 
2.50 
.80 
1.00 
4.00 

2.50 
4.00 
2.00 
1.60 
1.50 
2.00 

1.25 
1.25 
1.50 
1.25 
1.60 

2.00 


Dairies 

Dentists'  ^;?  Doctors'  Offices  (see  rule  2, 

page  32) 

*  Dentists'  Stocks  in  stores 

Depots,  railroad,  freight  or  passenger .... 

Distilleriesf 

Dormitories,  Academy,  College  &  Semnry  1 1 

Dredgers 

Dressmakers' Workrooms(see  rule  2, p.  32) 

Drill  Halls  ^^}  Armories 

Druggists'  Glass  Stocks 

*Drug  Stores,  retail 


The  basis  rate  for  C  Class  is  one-fifth  more  than  B  Class. 
tTlie  charge  for  Steam  Boiler  or  Steam  Power  is  included. 
flSee  rule  for  I^ong  Term  Risks  on  page  85. 


[12] 

B 
Class. 

D 

Class. 

Drug  Stores,  wholesale  (no  manufacturing 
by  fire  heat) 

2.10 
2.25 

l.e50 

1.50 

.50 

2.25 

3.25 

Drug  Stores,  wholesale,  where  compound- 
ing or  manufacturing  by  fire  heat 

Dry  Goods  Stocks,  wholesale 

3.50 
2  25 

Dry  Goods  Stocks,  retail 

2.25 

Dwellings,  11  (see  rule  1,  p.  32) 

.75 

Dyeing  and  Cleaning  Establishmentsf .  .  . 

3.50 

^Earthknwark  Stocks 

1.60 
1.85 

1.40 
1.50 

2.75 

Electric  Light  Plantsf       

3  00 

Electric  Light  Poles,  Wires,  Lamps,  and 
Apparatus  on  streets  and  in  stores  out- 
side of  buildings  containing  electric  light 
plants,  withgo%  co-ijisurance  clause .  .  .  . 

Elevators,  Grain  (to  be  specially  rated) .  . 

Engine  Houses,  Fire|| 

3.50 
2.25 

Express  Ofiices,  Furniture  and  Fixtures . 

2.50 

Fair  and  Rack  Ground  Amphitheaters 
and  Buildings 

1.75 
1.75 
1.40 
3.00 

1.60 

2.50 

2.50 

1.90 
1.35 

3.00 

^Fancy  Goods  and  Variety  Stocks 

Feed  Mills  (no  flour  made), steam  powerf 

Feed  Stores,  without  hay  or  straw 

Feed  Stores,  with  hay  or  straw 

2.75 
2.75 
2.25 
5.00 

Fences  of  Wood  ]  | 

1.75 

Findings  (Boot  and  Shoe)  and  Leather .  . 

Fire-proof  Cellars,  inside  of  frame  buildings 

Stocks  in  (no  addition  for  exposure) .... 

'^OTE—Stocks  in  such  cellars  outside  of  buildings  take  rate 
according  to  their  contents  with  no  addition  for  exposure. 

For  the  purpose  of  rating,  such  cellars  may  be  regarded 
as  B  Class  Buildings. 

Fireworks  Stocks 

2.50 
3.75 

Fireworks.     Privilege  to  keep  on  sale .  .  . 

Note.— i^9r  the  privilege  of  keeping  Fireworks  for  sale^ 
on  storage  or  as  samples^  a  charge  of  one-half  of  one 
percent,  additional  premium  shall  be  made  for  each 
month  or  portion  of  a  month.  {See  rule  16,  page  36  ) 

Flax  in  bales 

8  25 

Flaxseed 

1.60 

The  basis  rate  for  C  Class  is  one-fifth  more  than  B  Class, 
tThe  charge  for  Steam  Boiler  or  Steam  Power  is  included. 
II  See  rule  for  I^ong  Term  Risks  on  page  35. 


[   13  ] 


B  D 

Class.        Class. 


Flour  Mills,  water  power 

Flour  Mills,  steam  powerf 

Foundries,  Brassy  (see  rule  30,  page  41) . 

Foundries,  Iron,  without  pattern  shopsf . 

Foundries,  Iron,  with  pattern  shopsf  (see 
rule  30,  page  41) 

Fringe  and  Trimming  Factories 

^Fringe  and  Trimming  Stocks 

Fruit  Canning  Establishmentsf  (see  rule 
26,  page  40) 

Fruit  Drying  Establishmentsf 

*Fruit  Stocks,  wholesale 

*Fruit  Stores,  retail 

*Fur  Stocks 

Furniture  Factories,  hand  power 

Furniture  Factories,  steam  powerf 

Furniture  Stocks  (no  upholstering,  manu- 
facturing or  setting  up  done  in  thebuilding 

Furniture  Stocks,  where  upholstering  or 
setting  up  is  done 

Furniture  Stocks,  second-hand 


2.75 
4.00 

2.75 

2.75 

3.00 
1.90 
1.75 

2.25 
2.50 
1.75 
1.75 
1.75 
3.50 
6.00 

1.75 

2.00 
2.00 


Gas  Fixture  Stocks 

Gas  Works 

General  Merchandise,  (see  rule  22,  p.  39). 

^Gentlemen's  Furnishing  Goods 

Glass  Stocks  (window  ^o?  plate) 

*Glove  Factories 

Glue  Factories,  with  steam  powerf 

Gold  Beaters'  Factories 

Grain  (cut,  uncut,  in  stacks  orin  sacks, while  in  the  field) 
Note. — Policies  covering  grain  in  field  may  be  trans- 
ferred to  cover  same  grain  in  warehouse  for  balance  of 
term  of  such  policies;  but  no  return  premium  can  be  paid 
on  account  of  lower  rates. 

Granaries,  private 

Note. — A  private  granary  is  to  be  understood  to  be  a 
farm  building  used  exclusively  by  the  farmer  for  the  stor- 
age or  keeping  of  his  own  grain  ^  and  other  farm  products^ 
exclusive  of  hay,  straw^  broom  corn^  and  unbaled  hops;  also 
exclusive  of  farm  implements. 


The  basis  rate  for  C  Class  is  one-fifth  more  than  B  Class. 
fThe  charge  for  Steam  Boiler  or  Steam  Power  is  included. 
jSee  rule  for  Long  Term  Risks  on  page  35.  [Book  4  Cal.— 2.] 


C  14] 


B 
Class. 


Grocery  Stocks,  wholesale 

Grocery  Stocks,  retail 

Gunny  Cloth,  and  Bag  Stocks . 
Gunsmiths'  Shops  and  Stocks . 
Gymnasiums 


1.60 
1.60 
1.40 
1.75 
1.70 


*Hair  (human)  Stocks 

Halls,  Masons',  Odd  Fellows'  and  other 
Societies 

Halls,  Public,  without  scenery . 

Halls,  Public,  with  scenery .  . . 

^Hardware  and  Cutlery  Stocks 

Hardwood  lyumber  Stocks .... 

Harness  and  Saddle  Factories  (no  collar 
making) 

Harness  and  Saddle  Factories  (with  collar 
making) 

^Harness  and  Saddle  Stocks,  wholesale . . 

^Harness  and  Saddle  Stocks  (custom  work 
and  retail  sales  only) 

Hat  and  Cap  Factories 

*Hat  and  Cap  Stocks,  wholesale,  no  heat- 
ing irons  used 

*Hat  and  Cap  Stocks,  retail 

Hay  in  Stacks 

Hay  Barns 

Hay  Presses,  horse  power,  in  use 

Hay  Presses,  steam  power,  in  usef .... 

Hemp  in  bales 

Hide  and  Leather  Stocks,  no  Findings, 

Hoisting  Works,  water  power 

Hoisting  Works,  steam  powerf 

Hops! 


Hop  KilnsJ. 


X  Hops,  while  contained  in  kilns,  warehouses  or  other 
buildings  where  drying  is  done,  must  be  written  at  basis 
rate  of  "Hops"  with  the  following  additional  charge  for 


1.90 

1.60 
1.70 
2.50 
1.75 
1.35 

1.90 

2.25 
1.60 

1.60 
1.90 

1.60 
1.60 

3.00 
2.00 
3.00 
1.90 
1.50 
2.00 
2.50 
1.50 
1.50 


The  dasi's  rate  for  C  Class  is  one-fifth  more  than  B  Class. 
fThe  charge  for  Steam  Boiler  or  Steam  Power  is  included. 
ySee  rule  for  I^ong  Term  Risks  on  page  35. 


15] 


B 
Class. 


drying  privilege: 

B  class  1.70 

D  class 2.50 

This  charg^e  for  drjang  covers  one  season  only,  and  no 
deduction  is  to  be  made  for  shortness  of  term. 

X  JVhere  Hops  are  contained  in  a  buildings  the  rate  oj 
which  is  higher  than  that  of  Ho^Sy  the  rate  on  the i'' Hops''' 
shall  be  the  same  as  for  the  building. 

HOP  KIT^NS,  barns  and  other  buildings  temporarily 
used  for  the  storage  and  drying  of  Hops  may  retain  their 
proper  basis  rate  as  Hop  kilns,  barns,  warehouses,  etc.. 
with  charge  for  drying  privilege  added.  Notice  must  be 
given  when  drying  is  done  and  addititional  charge  made. 


Horse  Collar  Factories 

Hospitals  II 

Hotels  (see  rules  6  and  18,  pages  33  and  36) 

*House  Furnishing  Goods 

Houses  of  Refuge  and  Reform  Schools  (to 
be  specially  rated) 


2.50 
1.50 
2.25 
1.75 


IcK  Factories  (to  be  specially  rated). 
Ice  Houses  and  Stables  belonging  thereto 
India  Rubber  and  Gutta  Percha  Stocks 
Iron  Stocks,  without  Shelf  Goods 


2.00 
1.60 
1.40 


Jails,  City  ^':,'County|| 

*  Jewelry,  Watch  and  Clock  Stocks 

^OT-E— The  minimum  rate  for^' Jewelry ,  Watch  and  Clock 
Stocks,''  when  in  iron  safes,  shall  be  one-fifth  less  than  the 
rate  of  the  same  stock  if  outside  of  a  safe  in  the  store  in 
7vhich  the  safe  is  located. 

Jew^elry  Factories 

Junk  and  Rag  Stocks 

Jute  in  bales 


1.25 
1.65 


^lyACE  and  Embroidery  Stocks 

Ladies'  andC  hildren'  sUnderwear  Factories 
Lamp  and  Chandelier  Stocks,  without  oils 
Last  ^;,^  Hat  Block  Factories. 

The  basis  rate  for  C  Claas  is  one-fifth  more  than  B  Class. 
fThe  charge  for  Steam  Boiler  or  Steam  Power  is  included. 
flSee  rule  for  I.ong  Term  Risks  on  page  95. 


[16  J 


B 
Class. 


Laundries,  without  drying-room  (see  Chi- 
nese Wash  Houses) 

lyaundries,  with  drying-roomf 

lyeasehold  Interest,  rates  the  same  as  the 
building 

Leather  and  Finding  Stocks 

*Iyibraries,  Public  ""o?  Law 

lyime,  unslacked,  and  Cement  (see  Cement) 

Liquors,  ""o^  Wines,  retail 

Liquors,  ""o?  Wines,  wholesale,  without  priv- 
ilege of  rectifying  with  fire  heat  (see 
note  below*) 

Locomotives  in  Round  Houses 

Lodging  Houses  (see  Boarding  Houses). . 

Looking  Glass,  Picture  and  Frame  Stocks 
(no  gilding  or  joining  done) 

Looking  Glass,  Picture  and  Frame  Stocks 
(gilding  or  joining  done) 

Lumber  Yards  (see  rules  6  and  7,  pages 
33  and  34) 

When  the  clear  space  distance  from  a  lumber  yard  to  any 
woodworkino^  or  other  manufacturing  risk  is  200  feet  or 
less,  the  dasr's  rates  shall  be  as  follows: 

Lumber  Yards  with  a  clear  space  clause 
of  at  least  200  feet 

Lumber  Yards  with  a  clear  space  clause 
of  at  least  150  feet 

Lumber  Yards  with  a  clear  space  clause 
of  at  least  100  feet 

Lumber  Yards  without  a  clear  space  clause 

Form  of  Clear  Space  Clause.— Warranted  by  the  as- 
sured that  a  continuous  clear  space  of feet  shall  here- 
after be  maintained  between  the  property  hereby  insured 
and  any  woodworking  or  manufacturing  establishment, 
and  that  said  space  shall  not  be  used  for  the  handling  or 
piling  of  lumber  thereon  for  temporary  purposes;  tram- 
ways upon  which  lumber  is  not  piled  alone  being  ex- 
cepted, but  this  shall  not  be  construed  to  prohibit  loading 
or  unloading  within,  or  the  transportation  of  lumber  and 
timber  products  across  such  clear  space;  it  being  specially 
understood  and  agreed  by  the  assured  that  any  violation 
of  this  warranty  shall  render  this  policy  null  and  void. 


1.90 
2.15 


1.60 
1.50 
2.00 
1.70 


1.70 
2.25 


1.60 
1.75 


The  dasis  rate  for  C  Class  is  one-fifth  more  than  B  Class. 
tThe  charge  for  Steam  Boiler  or  Steam  Power  is  included. 
II  See  rule  for  I^ong  Term  Risks  on  page  :^5. 

♦Reducing  without  the  use  of  chare  jal  and  coloring,  not  to  be  considered 
"Rectifying." 


[  17  ] 


Machink  Shops,  withoutpattern  shopsf 
Machine  Shops,  with  pattern  shopsf  . . 

Malt  Housesf 

Manilla  Grass  in  bales 

*  Marble  Yards  and  Shops 

Market  Houses 

Match  Factories 

Mattress  Factories  *or^  Shops 

Mechanics'  Risk  (see  rule  8,  page  34,  and 

rule  16,  page  36) 

Melodeon  Halls  (see  Theaters,  etc.).  •  . 
Merchant  Tailors'    Stocks,    cutting   and 

fitting  only  (see  Tailors'  Workrooms) . 
Milliners'  Workrooms  (see  rule  2,  page  32) 
^Millinery  Stocks 

*  Musical  Instruments,  and  Sheet  Music. . 
Musical  Instrument  Factories,  except  or- 
gan, piano  and  melodeon 


B 
Class. 


2.75 
3.00 
3.50 
1.90 
1.75 
2.00 
3.50 
2.00 


1.40 

1.75 

1.75 

2.00 


Navai<  STORE;s,Turpentine,Tar  and  Pitch 
Nitrate  of  Soda  (see  rule  24,  page  39) .  .  . 


1.90 
1.65 


Oakum,  in  bales 

Offices,  I<aw,  Real  Estate,  Mining,  etc . . 
Oiled   Clothing   (suits  to  be  hung   five 

inches  apart) 

Oil  Stores  and  Stocks  (see  rule  19,  page  37) 
*  Optical  and  Mathematical  Instruments 

and  Shops 

Organ,   Piano  and  Melodeon  Factories, 

hand  power 

Outbuildings  and  Sheds  || 


1.90 
1.40 

2.25 
2.25 

1.75 

2.50 
1.00 


Pail,  Bucket  and  Tub  Factories,  dry- 
house  detached  as  perTables  of  Exposures! 


5.00 


The  basis  rate  for  C  Class  is  one-fifth  more  than  B  Class. 
tThe  charge  for  Steam  Boiler  or  Steam  Power  is  included. 
I  See  rule  for  lyong  Term  Risks  on  page  35.  [*Book  4  Cal.— 2.) 


L  18  ] 


Pail,  Bucket  and  Tub  Factories,  dry-house 
not  detachedf 

Paint  and  Oil  Stores 

Painters'  Shops 

Paper  Bag  Factories,  steam  powerf 

Paper  Box  Factories 

*Paper  Hanging  Stocks 

Paper  Mills,  water  power 

Paper  Mills,  steam  powerf 

*Paper  Pattern  Stocks 

^Paper  stocks,  in  packages  and  reams.  .  . 

Patent  Medicines 

Pattern  Shops 

^Pawnbrokers'  Stocks 

Penitentiaries,  and  Workshops  in  same  (to 
be  specially  rated) 

Perfumery  Factories 

*  Periodical  and  News  Depots 

Photograph  Galleries,  Furniture  and  Stock 

Photograph  Stocks,  wholesale 

Piano  Forte  Factories  (see  Organ  Fact's) 

*  Piano  Stocks  (see  Musical  Instruments) 

Pickle  Factories! 

Picture,  I^ooking  Glass  and  Frame  Stocks 

(no  gilding  or  joining  done) 

Picture,  Looking  Glass  and  Frame  Stocks 

(gilding  or  joining  done) 

Planing  and  Grooving  Mills,  water  power 
Planing  and  Grooving  Mills,  steam  powerf 
Plaster  Millsf 

*  Plaster  Ornament  Shops 


Plow  Factories,  water  or  hand  power.  . . . 

Plow  Factories,  steam  powerf 

Plumbers',  Gasfitters'  and  Bell  Hangers' 
Stocks  and  Shops 


B 
Class. 


6.00 
2.25 
2  00 

2.00 
1.75 
2.75 
3.25 
1.90 
1.65 
1.75 
2.50 
2.00 


1.90 
1.75 
2.00 
2.00 

1.75 
2.25 

1.60 

1.60 
5.00 
6.00 

2.75 
2.00 


2.25 
2.50 

1.70 


The  basis  rate  for  C  Class  is  one-fifth  more  than  B  Class. 
tThe  charge  for  Steam  Boiler  or  Steam  Power  is  included. 
1  See  rule  for  I^ong  Term  Risks  on  page  33. 


19  ] 


Potteries 

Powder  Mills 

Printing  Offices,  hand  power.  . 
Printing  Offices,  steam  powerf. 
Produce  and  Provision  Stores. . 


B  D 

Class.       Class. 


2.50 
8.00 
2.00 
2.25 
1.40 


Quartz  M11.1.S,  water  power 

Quartz  Mills,  steam  powerf 

Mill  in  operation,  add  for  Roasting  ^"r' 

Dry  Kiln  process  (B  or  C  Class,  .25). . 

Quicksilver  Works  (B,  C  or  D  Class) 

Concentrators  and  Chlorination  Works  are  to  be  consid- 
ered as  Quartz  Mills  and  take  the  same  basis  rate. 


.00 
.50 

.25 


Rag  and  Junk  Stocks 

Reduction   and  Smelting  Works,    steam 

powerf 

Reform  Schools  (to  be  specially  rated) . 
^Regalia  and   Emblem  Stocks,    Masonic 

and  other  Orders 

Rents  rate  the  same  as  the  building. .  .  . 

Restaurants  and  Eating  Houses 

Roofing  Material  (Composition)  without 

manufacturing 

Rope  and  Cordage  Stocks 

Rope  Walksf 

Round  Houses 

*Ruffle  and  Ruche  Factories 


2.50 
2.75 

1.65 

2.00 

2.25 
1.60 
3.50 
2.25 
1.90 


SADDI.K  and  Harness  Factories  (no  collar 
making) 

Saddle  and  Harness  Factories  (with  collar 
making) 

^Saddle  and  Harness  Stocks,  wholesale. . 

^Saddle  and  Harness  Stocks  (custom 
work  and  retail  sales  only) 


1.90 

2.25 
1.60 

1.60 


The  basis  rate  for  C  Class  is  one-fifth  more  than  B  Class. 
tThe  charge  for  Steam  Boiler  or  Steam  Power  is  included. 
iSee  rule  for  lyong  Term  Risks  on  page  35. 


[  20] 


Sail,  Awning  and  Tent  Makers 

Salmon  Canning  Establishments,  with  war- 
ranty that  lacquer  shall  not  be  kept  or  used 
in  main  cannery  building  or  within  twenty 
feet  thereof  (see rules  26&27,pp.40&41) 

Salmon  Canning  Establishments,  with  per- 
mit for  use  of  lacquer  (see  rules  26  and 
27,  pages  40  and  41) 

Saloons  and  Sample  Rooms  (see  rule  6,  p.  33) 

Salt  Millsf 

Salt  Stocks. 

Saltpeter  Stocks 

Sash  Factories  (see  Blinds  and  Doors) .  .  . 

Saw  Mills,  water  power 

Saw  Mills,  steam  powerf 

Saw  Mills,  wet  logs,  water  power 

Saw  Mills,  w^et  logs,  steam  powerf 

Note — Rates  on  wet-log  sazu  mills  apply  to  mills,  logs 
rvhich  are  stored  exclusively  in  water,  and  which 
have  no  dry-houses. 

School  Houses,  public  and  private,  day 
schools  onlyll 

^•'Seed  Stores 

Seminaries,  day  students  only|| 

Seminaries,  boarding,  with  dormitories||. . 

*Sewing  Machine  Salesrooms 

Shake  Roofs  (see  rule  4,  page  32) 

Shingle  Mills,  water  powder 

Shingle  Mills,  steam  powerf 

Ships  in  port,  and  laid  up  (wood  or  iron)  . 

Ships  on  stocks  (wood  or  iron) 

Ship  Carpenters'  and  Joiners'  shops 

Ship  Chandlers'  Stocks 

Shipsmiths'  Shops 

Shirt  Factories,  without  laundries 

Shirt  Factories,  with  laundries 

Silverware  Factories 

Slaughter  Houses 

Smoke  and  Packing  Houses  (to  be  specially 
rated) 


B  D 

Class.       Class. 


1.60 


2.75 


3.00 
1.70 
1.75 
1.40 
1.75 

3.50 
6.00 


.80 
1.75 

.80 
1.00 
1.65 

5.00 
6.00 


2.50 
1.90 
2.00 
1.65 
1.90 
1.75 
2.50 


The  basis  rate  for  C  Class  is  one-fifth  more  than  B  Class. 
fThe  charge  for  Steam  Boiler  or  Steam  Power  is  included. 
jjSee  Rule  for  lyong  Term  Risks  on  page  35. 


[21] 

B 
Class. 

D 

Class. 

Soap  ^^f  Candle  Factories,  without  stillf .  . 

Soap  ^^^  Candle  Factories,  with  stillf 

Soap  Stocks  (no  manufacturing) 

Soda  Water  Factories 

Stables,    private,    within    the    corporate 
limits  of  towns|] 

3.50 
5.00 
1.40 
1.75 

1.00 

1.50 

1.00 

1.50 

1.75 
2.00 
2.25 
2.25 
3.00 

1.50 
1.75 

5.00 
7.00 
2.50 

2.75 

1   50 

Stables,  private,  outside  the  corporate  limits 
of  townsjl 

2  25 

Stables,  Draymen's,  Expressmen's ^j;^  Con- 
tractors' ,  with  not  more  than  two  horses 

Stables,  Draymen's  Expressmen's^;^ Con- 
tractors', having  3  and  not  more  than 
6  horses.          

1.50 
2.50 

Stables,  Draymen's,  Expressmen's ^Jr"^ Con- 
tractors' ,  having  more  than  6  horses. .  . 
Stables,  Dairy 

3.00 
3.00 

Stables,  Hack,  Omnibus,  Car  and  Stage. . 
Stables,  Hotel 

3.50 
3.50 

Stables,  lyivery  ^;V''  Boarding 

4.50 

Stave  Yards  (see  rules  6  and  7,  pp.  33 
and  34) 

2.00 

Steamboats  on  stocks  or  laid  up 

2.00 

Steamboats,  while  running 

Stoves  and  Hollow-ware  (no  Tin  Shop)  .  . 
Stoves  and  Hollow- ware,  with  Tin  Shop . 

2.50 
2.25 
2.50 

Taii^ors'  Workrooms  (see  rule  2,  page  32) 
"Tank-frames  (not  inclosed),  together  with 

tanks  and  windmills  thereon  || . 

Tank-houses    (inclosed),    together    with 

tanks  and  windmills  thereon  1 1 

Tanneries  (no  steam  power) 

1.50 

3.25 
3.75 

2.50 

.75 

1.00 
4.60 

Tanneries,  steam  powerf 

5.50 

The  dasi's  rate  for  C  Class  is  one-fifth  more  than  H  Class. 
fThe  charge  for  Steam  Boiler  or  vSteam  Power  is  included, 
II  See  rule  for  lyong  Term  Risks  on  page  35. 


L22] 


n 

Class. 


Theaters  and  Melodeons 

Theaters  and  Melodeons  —  Stocks  on 
ground  floor,  charge  two-thirds  of  The- 
ater rates  without  regard  to  class  of 
stocks 

Tin  Shops  and  Sheet-Iron  Workers 

Toll  Houses 

Toy  Stocks 

Trunk  Factories,  hand  power 

Trunk  Factories,  steam  powerf 

Trunk  Stocks 

Turners  in  Wood,  hand  or  water  power, 

Turners  in  Wood,  steam  powerf 

Type  Foundries 

*Type  Stocks 


8.00 


2.50 
1.25 
3.0O 
4.00 

10.00 
2.50 
4.00 

10.00 
3.5a 
2.75. 


UmbrklIvA,  Parasol  and  Cane  Factories . . 
Undertakers'  Stocks   (no  manufacturing; 

see  Coffin-makers'  Shops) 

Upholstery  Factories 

Upholstery  Stocks  (no  manufacturing). . . 


1.65  i  2.75 


1.75 
2.00 
1.75 


2.75 
3.50- 

2.75 


*  Variety  Stocks  and  Fancy  Goods . 
Veneering  and  Molding  Salesrooms . 
Vinegar  Factories 


1.75 
1.70 
2.10 


2.75- 
2.75 

3.5a 


Wagon  Makers'  Shops 

Wagons  and  Wagon  Materials 

*Wall  Paper  Stocks 

Warehouses,  grain  in  bags  and  bags  only . 

"NoTK—J^ai'/ed  Hops  tnay  be  stored  in  any  grain  ivarehouse 
ivithout  increasing  the  rate  on  the  other  contents  or  on 
the  building. 

The  Baled  Hops  take  their  proper  basis  rate. 

Note— jR?r  grain  in  bulk  add  to  the  above  basis  rates  on 
the  grain  only^  and  not  on  the  building  {see  Elevators, 
Grain,  etc  ). 

"WOOTj  may  be  insured  in  grain  warehouses  at  the  same 
rate  as  the  grain  and  2vithout  increasing  the  rates  ofsaid\ 
zvarehouses.  \ 


2.25  3.50 
1.60  2.50 
1.75  j  3.00 
1.00  :  1.25 


.25 


.o(> 


The  basis  rate  for  C  Class  is  one-fifth  more  than  B  Class. 
tThe  charge  for  Steam  Boiler  or  Steam  Power  is  included. 
JSee  rule  for  Long  Term  Risks  on  page  35. 


[23] 


B 

Class. 


Warehouses,  grain  in  bags  and  bags  only, 
when  the  building  exceeds  two  stories 
in  height,  to  be  specially  rated 

Warehouses,  general  storage  (no  broom 
corn,  hay,  jute  or  oil — see  rule  24,  p. 39) 

Warehouses,  with  storage  of  broom  corn 
^"?jute 

Warehouses,  with  storage  of  oils 

Warehouses  for  Hay  or  Hay  Barns 

^Watchmakers'  Stocks  and  Tools 

Wharves,  without  roof 

Wheelwrights'  Shops 

*Wig-makers'  Stocks 

Willow-ware  Factories 

Wine  Factories  or  Cellars  charge  half  per 
cent,  additional  per  month  for  privilege 
of  distilling) 


Note— ^  permit  for  this  privilege  must  be  granted  for  a 
definite  period^  and  the  prescribed  charge  of  one-half  oj 
one  per  cent,  per  month  collected  in  advance;  no  allow- 
ance or  rebate  may  be  made  for  lost  time^  or  any  extension 
of  tiyne  or  permit  granted  in  lieu  thereof  The  charge 
applies  to  the  building  containing  the  stilly  and  to  all 
other  buildings  within  thirty  feet  thereof  together  with 
their  contents. 

Wine'"^ 


%iquors  (see  Liquors) 

Wine  Stocks  (no  liquors,  spirits  or  bot- 
tling)  

*  Wire  workers'  Stocks  (no  manufacturing) 

Wood^::?  Coal  Yards  (see  rules  6  and  7, 
page  33 

Wood  and  Willow- ware  Stocks 

Wool  and  Hide  Stocks 

Wool-pulling  Establishments  (to  be  spe- 
cially rated) 

Wool- washing  Shopsf 

Woolen  Mills  (to  be  specially  rated). .  . 


1.50 

1.90 
2.25 
3.00 
1.65 

2.25 
1.90 
1.90 


1.10 


1.25 
1.75 


1.70 
1.50 


1.90 


Ykast  Powdkr  Factories. 


The  basis  rate  for  C  Class  is  one-fifth  more  than  B  Class. 
fThe  chari?e  for  Steam  Boiler  or  Steam  Power  is  included. 
I  See  rule  for  Iv0n;>  Term  Risks  on  page  35. 


[  24] 


J^:^^  Charges  for  Deficiencies,  Privileges  and  Exposures,  to  be  added  (when 
they  exist)  to  the  Basis  Rate.     ^ 

ADD  TO  B  CLASS. 

PARTITIONS. 

In  a  block  or  building  of  B  Class,  having  ground-floor*  compartments  for 
occupancy,  each  provided  with  an  entrance  from  the  street,  and  separated 
from  each  other  by  one  or  more  ordinary  boarded  or  studded  and  lathed  and 
plastered  partitions,  to  the  basis  rate  of  building  and  contents  add  20  cents 
for  each  of  such  ground-floor  partitions  which  separates  one  occupancy  from, 
another. 

*  Note.— The  ground  floor  of  a  building  shall  be  the  first  floor  above  the 
basement  or  cellar,  or,  if  there  be  no  basement  or  cellar,  the  floor  nearest  to. 
the  grade  of  the  street  upon  which  the  building  fronts. 

STOVE-PIPES  AND  EARTHEN-WARE  CHIMNEYS. 
For  one  or  more  Stove-pipes,  Artificial  Stone,  Cement  or  Earthen-ware- 
Chimneys,  passing  through  a  window  or  roof,  to  the  basis  rate  of  building 
and  contents,  add  as  follows,  viz, : 

For  one  or  more  Stove-pipes 50  cts. 

For  one  or  more  Artificial  Stone,  Cement  or  Earthenware  Chimneys. .  .15  cts- 
Note. —  When  a  charge  has  to  be  made  for  a  Stove-pipe  according  to  this 
rule,  the  charge  for  an  Artificial  Stone,   Cement  or  Earthen-ware  Chimney 
need  not  be  added. 

STEAM-  BOILER  OR  STEAM  POWER. 
For  Steam  Boiler  in  the  building,  or  for  Steam  Power  in  the  building  when, 
the  steam  is  generated  either  in  the  building  or  in  another  building  situated 
within  i^O  feet  thereof,  to  the  basis  rate  of  builJing  and  contents  (except  when 
marked  with  a  f  in  the  "Alphabetical  Table  of  Hazards"),  add  (see  rule  21,. 
page  39)  25  cts 

Note. — When  the  steam  is  generated  in  another  building  situated  at  a  dis- 
tance of  20  feet  or  more  from  the  building  to  be  rated, a  deduction  of  25  cents 
may  be  made  from  all  B  Class  basis  rates  marked  with  a  f. 

GASOLINE  AND  PETROLEUM  PRODUCTS,  AND  STOVES  FOR  THEIR  USE. 
For  the  use  of  Gasoline  and/or  Petroleum  Stoves,  to  the  basis  rate  of 
building  and  contents  see  rule  19,  paragraph  C,  page  37),  add  as  follows,  viz. : 

For  each  Gasoline  Stove 10  cts.. 

For  each  Oil  Stove  to  burn  any  product  of  petroleum  which  emits  an 
inflammable  vapor  at  less  than  110^  Fahrenheit  without  the  medium 

of  a  wick  (see  rule  19.  paragraph  D,  page  37) 10  cts. , 

For  storing  or  keeping  for  sale  in  any  mercantile  building,  or  within 
twenty-five  feet  thereof,  gasoline  or  any  product  of  petroleum  which 
will  emit  an  inflammable  vapor  at  less  than  110°  Fahrenheit  (see 
rule  19,  paragraph  E),  page  37).    Permit  to  be  for  not  exceeding 

thirty  gallons 100  cts 

Note.— Where  100  cents  charge  is  paid,  as  above,  the  use  of  one  gasoline 
stove  for  exhibiting  purposes  may  be  granted  without  extra  charge,  subject  to 
rule  19,  par.  C,  p.  37. 

COAL  Oil.. 

PERMIT   FOR  COAL   OIL   IN  A  RETAIL  STORE. 

A  permit  may  be  granted  to  keep  in  a  retail  store  200  gallons  of  Refined: 
Kerosene  Oil,  without  charge,  it  being  warranted  by  the  assured  that  the  oil 
shall  be  drawn  by  daylight  or  at  a  distance  not  less  than  10  feet  from  artificial* 
light.  For  each  additional  100  gallons  of  Kerosene  Oil  kept  in  such  a  store, 
add  10  cents  to  the  basis  rate  for  building  and  contents,  (See  rules  16,  page  • 
36  and  19,  page  37.) 

PERMIT   FOR  COAL   OIL   IN^A  WHOLESALE  STORE. 

A  permit  may  be  granted  to  keep  in  a  wholesale  store  200  gallons  of  Refined' 
Kerosene  Oil  in  tin  cans  in  unbroken  packages,  without  charge.  For  any 
quantity  of  Kerosene  Oil  exceeding  200  gallons  kept  in  such  store  in  tin  cans- 
in  unbroken  packages  and  in  accordance  with  the  law,  add  10  cents  to  the 
basis  rate  for  building  and  contents,  provided  that  no  filling  or  repairing  of 
cans  be  done  on  the  premises.  Packages  of  Kerosene  Oil  may  be  repacked, 
but  when  refilling  or  repairing  of  cans  is  done,  the  above  rule  for  a  retail 
store  shall  apply.  (See  rules  16,  page  96,  and  19,  page  b7  ) 
POWDER. 

A  permit  may  be  granted  to  keep  in  store  an  amount  not  exceeding  50 
pounds  of  Powder  in  metal  cans,  near  the  door,  without  charge.  (See  rule- 
25  page,  40.) 


[  25  ] 

CHARGES   CONTINUED. 

ADD   TO   B   CLASS. 


TABI.E  OF  EXPOSURES. 

To  the  basis  rate  of  building  and  contents,  add  for  such  ex- 
posure within  40  feet  in  any  direction,  for  which  the  highesl 
additional  rate  is  prescribed  in  the  following  Table.  B  or  C 
Class  buildings  (except  Mills,  Factories,  etc.)t  are  not  to  be  re- 
garded as  exposures.  (See  rules  1  and  3,  page  32  ;  6,  page  33  ; 
and  14,  page  36.) 


EXPOSURES     EOR    WHICH     AN 
ADDITIONAI,  CHARGE  IS  TO 

BE  ADDED  TO  THE  basis  rate. 


If  a  D  Class  Dwelling,  Board- 
ing-house, Church,  Grain 
Warehouse,  Office  Build- 
ing, School-house,  Private 
Stable  or  Barn 

If  a  D  Class  Store,  Mixed 
Occupanc y^.  Lumber, 
Wood  or  Coal  Yard 

If  a  D  Class  Boiler,  Carpenter, 
Cooper,  Machine,  Wagon  or 
Wheelwright  Shop,  Brew- 
ery, Foundry,  Hotel,  Laun- 
dry, or  Wash-house,  Oil 
Warehouse,  Hack,  Omnibus, 
Car,  Stage,  Hotel  or  Livery 
Stable,  water-power  Factory 
or  Mill 

If  a  D  Class  Warehouse  for 
Hay,  or  Tannery ;  f  B,  C  or 
D  Class  steam-power  Fac- 
tory or  Mill,  other  than 
steam-power  Blinds  Box^ 
Door^  Furniture,  Pait  or 
Sash  Factory,  Pianino^  or 
Saw  Mill,  or  Distiilery 

If  a  D  Class  Theatre ;  f  B,  C 
or  D  Class  steam-power 
Blind,  Box,  Door,  Furniture, 
Pail  or  Sash  Factory,  Plan- 
ing or  Saw  Mill,  or  Distil- 
lery  


ADDITIONS  FOR  THE  SEVERAI, 
DISTANCES. 


Adj.  to 
10  ft. 


15  CtS. 

25cts. 


40  CtS. 


80  CtS. 


180  CtS. 


10  to  20 
feet. 


20  to  31 
feet. 


10  CtS. 
20  CtS. 


35  CtS. 


80  CtS. 


180  CtS. 


Sets. 
15  CtS. 


25  CtS. 


40  CtS. 


140  CtS. 


30  to  40 
feet. 


10  CtS. 


15  CtS. 


25  CtS. 


125  CtS. 


^  /l^*  Any  building  not  otherwise  specified  shall  be  treated  as  a  Store  or 
Mixed  Occupancy. 

[Book  4  Cal.— 3  ] 


[26] 


il^  Charges  for  Deficiencies^  Privileges  smd.  Exposures  to  be  added  {y/h€n 
they  exist)  to  the  Basis  Rate. 


ADD  TO  C  GLASS. 

PARTITIONS. 

In  a  block  or  building  of  C  Class,  having  ground-floor*  compartments  for 
occupancy,  each  provided  with  an  entrance  from  the  street,  and  separated 
from  each  other  by  one  or  more  ordinary  boarded  or  studded  and  lathed  and 
plastered  partitions,  to  the  basis  rate  of  building  and  contents  add  20  cents 
for  each  of  such  ground-floor  partitions  which  separates  one  occupancy  from 
another. 

*  Note.— The  ground  floor  of  a  building  shall  be  the  first  floor  above  the 
basement  or  cellar,  or,  if  there  be  no  basement  or  cellar,  the  floor  nearest 
to  the  grade  of  the  street  upon  which  the  building  fronts 

STOVE-PIPES  AND  EARTHEN-WARE  CHIMNEYS. 
For  one  or  more  Stove-pipes,  Artificial  Stone,  Cement  or  Earthen-ware 
Chimneys,  passing  through  a  window  or  roof,  to  the  basis  rate  of  building 
and  contents  add  as  follows,  viz.: 

For  one  or  more  Stove-pipes 50  cts. 

For  one  or  more  Artificial  Stone,  Cement  or  Earthen- ware  Chimneys. .  15  cts. 
Note. —  When  a  charge  has  to  be  made  for  a  Stove-pipe  according  to  this 
rule,  the  charge  for  an  Artificial  Stone ,  Cement  or  Earthen-ware  Chimney 
need  not  be  added. 

{STEAM  BOH.ER  OR  STEAM  POWER. 
For  Steam  Boiler  in  the  building,  or  for  Steam  Power  in  the  building  when 
the  steam  is  generated  either  in  the  building  or  in  another  building  situated 
within  20  feet  thereof,  to  the  basis  rate  of  building  and  contents  (except 
when  marked  with  a  f  in  the  "Alphabetical  Table  of  Hazards"),  add  (see 
rule  21,  page  39)  25  cts. 

Note. — When  the  steam  is  generated  in  another  building  situated  at  a 
distance  of  20  feet  or  more  from  the  building  to  be  rated,  a  deduction  of  25 
cents  may  be  made  from  all  B  Class  basis  rates  marked  with  a  t, 

GASOLINE  AND  PETROLEUM  PRODUCTS,  AND  STOVES  FOR  THEIR  USE. 
For  the  use  of  Gasoline  and/or  Petroleum  Stoves,  to  the  basis  rate  of 
building  and  contents  (see  rule  19,  paragraph  C,  page  37),  add  as  follows,  viz.r 

For  each  Gasoline  Stove ....  10  cts» 

For  each  Oil  Stove  to  burn  any  product  of  Petroleum  which  emits  an 
inflammable  vapor   at  less   than   110°   Fahrenheit  without  the 

medium  of  a  wick  (see  rule  19,  paragraph  D.  page  37) 10  cts. 

For  storing  or  keeping  for  sale  in  any  mercantile  building,  or  within 
twenty-five  feet  thereof.  Gasoline  or  any  product  of  Petroleum 
which  will  emit  an  inflammable  vapor  at  less  than  110^  Fahrenheit 
(see  rule  19  paragraph  E>  page  37).    Permit  to  be  for  not  exceeding 

thirty  gallons 100  cts. 

Note.— Where  the  100  cents  charge  is  paid,  as  above,  the  use  of  one  Gaso- 
line Stove  for  exhibiting  purposes  may  be  granted  without  extra  charge^ 
subject  to  rule  19,  par.  C,  p.  37. 

COAL  OIL. 

PERMIT  FOR  COAL  OIL  IN  A  RETAIL  STORE. 

A  permit  may  be  granted  to  keep  in  a  retail  store  200  gallons  of  Refined 
Kerosene  Oil,  without  charge,  it  being  warranted  by  the  assured  that  the  oil 
shall  be  drawn  by  daylight  or  at  a  distance  not  less  than  10  feet  from  artificial 
light.  For  each  additional  100  gallons  of  Kerosene  Oil  kept  in  such  a  store, 
add  10  cents  to  the  basis  rate  for  building  and  contents.  (See  rules  16,  page 
38,  and  19,  page  37.) 

PERMIT  FOR  COAL  OIL  IN  A  WHOLESALE  STORE. 

A  permit  may  be  granted  to  keep  in  a  wholesale  store  200  gallons  of  Refined 
Kerosene  Oil  in  tin  cans  in  unbroken  packages,  without  charge.  For  any 
quantity  of  Kerosene  Oil  exceeding  200  gallons  kept  in  such  a  store  in  tin 
cans  in  unbroken  packages  and  in  accordance  with  the  law,  add  10  cents  to 
the  basis  rate  for  building  and  contents,  provided  that  no  filling  or  repairing 
of  cans  be  done  on  the  premises.  Packages  of  Kerosene  Oil  may  be  repacked, 
but  when  refilling  or  repairing  of  cans  is  done,  the  above  rule  for  a  retail 
store  shall  apply.  (See  rules  16,  page  36,  and  19,  page  37.) 
POWDER. 

A  permit  may  be  granted  to  keep  in  store  an  amount  not  exceeding  50 
lbs.  of  Powderin  metal cans,near  the  door,  without  charge.  (See  rule25,  page  40.) 


[27] 


CHARGES  CONTINUKD. 

ADD  TO   G  CLASS. 


TABIiE    OF    EXPOSURES. 

To  the  basts  rate  of  building  and  contents  add  for  such  ex- 
posure within  50  feet  in  any  direction,  for  which  the  highest 
additional  rate  is  prescribed  in  the  following  Table.  B  or  C 
Class  buildings  (except  Mills,  Factories,  etc.)t  are  not  to  be  re- 
garded as  exposures.  (See  rules  1  and  3,  page  32 ;  6,  page  33 ; 
and  14,  page  36.) 


KXPOSURKS   FOR    WHICH  AN 
ADDITIONAI^  CHARGE    IS    TO 

BE  ADDED  TO  THE  basis  rate. 


If  a  D  Class  Dwelling,  Board- 
inghouse,  Church,  Grain 
Warehouse,  Office  Build- 
ing, School-house,  Private 
Stable  or  Barn 

If  a  D  Class  Store,  Mixed  Oc- 
cupancy^, Lumber,  Wood 
or  Coal  Yard 

If  a  D  Class  Boiler,  Carpenter, 
Cooper,  Machine,  Wagon 
or  Wheelwright  Shop, 
Brewery,  Foundry,  Hotel, 
Laundry,  or  Washhouse, 
Oil  Warehouse,  Hack, 
Omnibus,  Car,  Stage,  Ho- 
tel or  Livery  Stable,  water- 
power  Factory  or  Mill 

If  a  D  Class  Warehouse  for 
Hay,  or  Tannery ;  fB,  C  or 
D  Class  steam-  power  Fac- 
tory or  Mill,  other  than 
steam-power  Blind^  Box^ 
Door,  Furniture,  Pail,  or 
Sash  Factory,  Planing  or 
Saw  Milt,  or  Distillery... 

If  a  D  Class  Theatre ;  fB,  C 
or  D  Class  steam  power. 
Blind,  Box,  Door,  Furni- 
ture, Pail,  or  Sash  Factory, 
Planing  or  Saw  Mill,  or 
Distillery 


20cts. 
35cts. 


ADDITIONS  FOR  THE  SEVERAI, 
DISTANCES. 


Adj.  to  10  to  20 
10  ft.        feet. 


15cts. 
30cts. 


eocts. 


100  cts 


200  cts 


50  cts. 


100  cts 


200  cts 


20  to  30  30  to  40  40  to  60 
feet.         feet.       feet. 


10  Cts. 

25  cts. 


40  Cts. 


60  cts. 


160  cts 


5  cts. 
15  cts. 


25  cts. 


40  cts. 


140  cts 


10  cts. 


15  cts. 


30  cts. 


175cts. 


4®*  *  Any  building  not  otherwise  specified  shall  be  treated  as  a  Store  or 
Mixed  Occupancy. 


[28] 


iK5~  Charges  for  Dejiciencies^  Privileges  and  Exposures \o  ^be  added  (when 
they  exist)  to  the  Basis  Rate.    

ADD  TO  D  GLASS. 

CAI^IFORNIA,  CARSON  AND  RE:N0,  NKV. 

SINGLE  D  CLASS  BUILDING. 

CliOTH  LINING. 

For  Cloth  Lining  in  the  whole  or  in  any  part  of  a  D  Class  Building,  add  as 
follows,  viz.: 

To  the  basis  rate  of  a  D  Class  Dwelling  and  contents 50cts. 

T©  the  basis  rate  of  any  other  D  Class  Building  and  contents 100  cts. 

Note.— See  rule  5,  page  33. 

STOVE-PIPES  AND  EARTHENWARE  CHIMNEYS. 
For  one  or  more   Stove-pipes,  Artificial   Stone,  Cement  or  Earthen-ware 
'Chimneys,  passing  through  a  wall,  window  or  roof  of  a  D  Class  Dwelling  or 
other  D  Class  Building,  to  the  basis  rate  of  building  and  contents,  add  as 
follows,  viz.: 

For  one  or  more  Stove-pipes 75  cts. 

For  one  or  more  Artificial  Stone,  Cement  or  Karthen-ware  Chimneys. .  15  cts. 
Note—  When  a  charge  has  to  be  made  for  a  Stove-pipe^  according  to  this 
rule,  the  charge  for  an  Artificial  Stone,  Cement  or  Earthen-ware  Chimney 
need  not  be  added. 

STEAM  BOIIiER  OR  STEAM  POWER. 
For  Steam  Boiler  in  the  building,  or  for  Steam  Power  in  the  building,  when 
the  steam  is  generated  either  in  the  building  or  in  another  building  situated 
within  20  feet  thereof,  to  the  basis  rate  of  building  and  contents  (except  when 
marked  with  a  f  in  the  "  Alphabetical  Table  of  Hazards  "),  add  (see  rule  21» 
page  39)  50  cts. 

Note.— When  the  steam  is  generated  in  another  building  situated  at  a  dis- 
tance of  20  feet  or  more  trom  the  building  to  be  rated,  a  deduction  of  50  cents 
may  be  made  from  all  D  Class  basis  rates  marked  with  a  f. 

GASOLINE  AND  PETROLEUM  PRODUCTS,  AND  STOVES  FOR  THEIR  USE. 
For  the  use  of  Gasoline  and/or  Petroleum  Stoves,  to  the  basis  rate  of 
building  and  contents  (see  rule  19,paragraph  C,  page  37),  add  as  follows,  viz.: 

For  each  Gasoline  Stove 10  cts. 

For  each  Oil  Stove  to  burn  any  product  of  Petroleum  which  emits  an 
inflammable  vapor   at    less    than    110°  Fahrenheit  without  the 

medium  of  a  wick  (see  rule  19,  paragraph  D,  page  37) 10  cts. 

For  storing  or  keeping  for  sale  in  any  mercantile  building,  or  within 
twenty-five  feet  thereof.  Gasoline  or  any  product  of  Petroleum 
which  will  emit  an  inflammable  vapor  at  less  than  IIC^  Fahrenheit 
(see  rule  19.  paragraph  F,  page  37),    Permit  to  be  for  not  exceed- 
ing thirty  gallons 100  cts 

Note. — Where  the  100  cents  charge  is  paid,  as  above,  the  use  of  one 
Gasoline  Stove  for  exhibiting  purposes  may  be  granted  without  extra 
charge,  subject  to  rule  19,  par.  C,  p.  37. 

COAIi  OIL. 

PERMIT  FOR  COAL  OIL  IN  A  RETAIL  STORE. 

A  permit  may  be  granted  to  keep  in  a  retail  store  200  gallons  of  Refined 
Kerosene  Oil,  without  charge,  it  being  warranted  by  the  assured  that  the 
oil  shall  be  drawn  by  daylight  or  at  a  distance  not  less  than  10  feet  from 
artificial  light.  For  each  additional  100  gallons  of  Kerosene  Oil  kept  in  such 
a  store,  add  10  cents  to  the  ^a5/.s  rai**?  for  building  and  contents.  (See  rules 
16,  page  36,  and  19,  page  37.) 

PERMIT  FOR  COAL   OIL   IN  A  WHOLESALE  STORE. 

A  permit  may  be  granted  to  keep  in  a  wholesale  store  200  gallons  of 
Refined  Kerosene  Oil  in  tin  cans  in  unbroken  packages,  without  charge. 
For  any  quantity  of  Kerosene  Oil  exceeding  200  gallons  kept  in  such  a  store 
in  tin  cans  in  unbroken  packages  and  in  accordance  with  the  law,  add  10 
cents  to  the  basis  rate  for  buildings  and  contents,  provided  that  no  filling  or 
repairing  of  cans  be  done  on  the  premises.  Packages  of  Kerosene  Oil  may 
be  repacked,  but  when  refilling  or  repairing  of  cans  is  done,  the  above  rule 
for  a  retail  store  shall  apply.  (See  rules  16,  page  36,  and  19,  page  37.) 
POWDER. 

A  permit  may  be  granted  to  keep  in  store  an  amount  not  exceeding  50 
Ibs.ofPowder  in  metal  cans,near  the  door,withcut  charge.  (Seerule26,page40. 


[29] 


CHARGES  CONTINUKD. 

ADD   TO   D   CLASS. 

CALIFORNIA,   CARSON  AND   RENO,  NKV. 

Single  D  Class  Building  not  exposed  within  10  feet. 

TABLE  OF  EXPOSURES. 

To  the  basis  rate  of  building  and  contents  add  for  the  two  ex- 
posures within  100  feet  in  any  direction,  for  which  the  highest 
additional  rate  is  prescribed  in  the  following  Table.  B  or  C 
Class  buildings  (except  Mills,  Factories,  etc.)  f  are  not  to  be 
regarded  as  exposures. 

This  Table  applies  only  to  a  single  D  Class  Building  when 
not  exposed  within  ten  feet  hy  other  D  Class  Buildings.  (See 
rules  1  and  3,  page  32 ;  6,  page  33 ;  and  14,  page  36.) 


exposures  for  which  an, 
additional  charge  is 
to  be  added  to  the 
bans  late. 


If  a  D  Class  Dwelling,  Board- 
ing-house, Church,  Grain 
Warehouse,  Office  Build- 
ing, School-house,  Private 
Stable  or  Barn 

If  a  D  Class  Store,  Mixed 
Occupancy^,  Lumber, 
Wood  or  Coal  Yard 

If  a  D  Class  Boiler,  Carpen- 
ter, Cooper,  Machine,  Wag- 
on or  Wheelwright  Shop, 
Brewery,  Foundry,  Hotel, 
Laundry  or  Wash-house, 
Oil  Warehouse,  Hack,  Om- 
nibus, Car,  Stage,  Hotel  or 
Livery  Stable,  water-power 
Factory  or  Mill 

If  a  D  Class  Warehouse  for 
Hay,  or  Tannery;  f  B,  C  or 
D  Class  steam-power  Fac- 
tory or  Mill,  other  than 
steam-power  Blind,  Box^ 
Door,  Furnilure,  Pail  or 
Sash  Factory^  Planing  or 
Saw  Mill,  or  Distillery  . . 

If  a  D  Class  Theater, ;  t  B,  C 
or  D  Class  steam-power 
Blind,  Box,  Door,  Furni- 
ture, Pail  or  Sash  Factory, 
Planing  or  Saw  Mill,  or 
Distillery 


additions   FOR  THE  SEVERAL 
DISTANCES. 


10  to  25    25  to  40    40  to  60    60  to  80    80  to  100 
feet.        feet         feet.        feet.        feet. 


40cts. 
70cls. 


llOcts. 


185cts. 


285cts. 


35cts. 
60cts. 


lOOcts. 


175cts. 


275cts. 


25cts. 
40cts. 


75cts. 


125cts. 


225cts. 


15cts. 
25cts. 


50cts. 


75cts. 


175cts. 


5cts. 
lOcts. 


20cts. 


30cts. 


130cts. 


JiaW  *  Any  building  not  otherwise  specified  shall  be  treated  as  a  Store  or 
Mixed  Occupancy, 

[*Book  4  Cal.— 3.] 


[30] 


iB®=*  Charges  for  Deficiencies,  Privileges  and  Exposures  to  be  added  (when 
they  exist)  to  the  basis  rate.  - 

ADD     TO    D     CLASS. 

CAI^IFORNIA,    CARSON  AND    RENO,  NEV. 

D  CLASS  RANGE.* 

CLOTH    LINING. 

.    For  Cloth  Lining  in  the  whole  or  in  any  part  of  a  D  Class  Buitding,  add  as 
follows,  viz  : 

To  the  basis  rate  of  a  D  Class  Dwelling  and  contents fiO  cts. 

To  the  basis  rate  of  any  other  D  Class  Building  and  contents 100  cts. 

Note.— See  rule  5.  page  33. 

.STOVE-PIPE   AND   EARTHEN- WARE   CHIMNEYS. 

For  one  or  more  Stove-pipes,  Artificial  Stone,  Cement  or  F)arthen-ware 
Chimneys,  passing  through  a  wall,  window  or  roof  of  a  D  Class  Dwelling  or 
other  D  Class  Building,  to  the  basis  rate  of  building  and  contents,  add  as 
follows,  viz.: 

For  one  or  more  Stove-pipes 75  cts. 

For  one  or  more  Artificial  Stone,  Cement  or  Earthen-ware  Chimneys..  3  5  cts. 

Note. —  When  a  change  has  to  be  made  for  a  Stove-pipe,  accordi7ig  to  this 
rule,  the  charge  for  an  Artificial  Stone,  Cement  or  Earthen-ware  Chimney 
need  not  be  added. 

STEAM   BOILER   OR   STEAM   POWER. 

For  Steam  Boiler  in  the  building  or  for  Steam  Power  in  the  building  when 
the  steam  is  generated  either  in  the  building  or  in  another  building  situated 
within  20  feet  thereof,  to  the  basis  rate  of  building  and  contents  (except  when 
marked  with  a  f  in  the  "Alphabetical  Table  of  Hazards"),  add  (see  rule  21» 
page  39)  50  cts. 

Note. — When  the  steam  is  generated  in  another  building  situated  at  a  dis- 
tance of  20  feet  or  more  from  the  building  to  be  rated,  a  deduction  of  50  cents 
miay  be  made  from  all  D  Class  basis  rates  marked  with  a  f. 

GASOLINE  AND  PETROLEUM  PRODUCTS,  AND  STOVES  FOR  THEIR  USE. 

For  the  use  of  Gasoline  and/or  Petroleum  Stoves,  to  the  3aj^z'.y  rate  of  build- 
ing and  contents  (see  rule  19,  paragraph  C,  page  37),  add  as  follows,  viz.: 

For  each  Gasoline  Stove 10  cts. 

For  each  Oil  Stove  to  burn  any  product  of  petroleum  which  emits  an 

inflammable  vapor  at  less  than  110°  Fahrenheit  without  the  medium 

of  a  wick  (see  rule  19,  paragraph  D,  page  37) 10  cts 

For  storing  or  keeping  for  sale  in  any  mercantile  building,  or  within 

twenty-five  feet   thereof,  gasoline  or  any   product    of  petroleum 

which  will  emit  an  inflammable  vapor  at  less  than  110°  Fahrenheit 

(see  rule  19,  paragraph  E,  page  37.)    Permit  to  be  for  not  exceeding 

thirty  gallons 100  cts. 

Note. — Where  the  100  cents  charge  is  paid.as  above,  the  use  of  one  gasoline 
stove  for  exhibiting  purposes  may  be  granted  without  extra  charge,  subject 
to  rule  19,  par.  C,  page  37. 

COAL    Oil.. 

PERMIT  FOR  COAL  OIL  IN  A  RETAIL  STORE. 

A  permit  may  be  granted  to  keep  in  a  retail  store  200  gallons  of  Refined 
Kerosene  Oil,  without  charge,  it  being  warranted  by  the  assured  that  the  oil 
shall  be  drawn  by  daylight  or  at  a  distance  not  less  than  10  feet  from  artificial 
light.  For  each  additional  100  gallons  of  Kerosene  Oil  kept  in  such  a  store, 
add  10  cents  to  the  basis  rate  for  building  and  contents.  (See  rules  16,  page 
36  and  19,  page  37.) 

PERMIT  FOR  COAL   OIL  IN  A   WHOLESALE  STORE. 

A  permit  may  be  granted  to  keep  in  a  wholesale  store  200  gallons  of  Refined 
Kerosene  Oil  in  tin  cans  in  unbroken  packages,  without  charge.  For  any 
quantity  of  Kerosene  Oil  exceeding  200  gallons  kept  in  such  a  store  in  tin 
cans  in  unbroken  packages  and  in  accordance  with  the  law,  add  10  cents  to 
the  basis  rate  for  building  and  contents,  provided  that  no  filling  or  repairing 
of  cans  be  done  on  the  premises.  Packages  of  Kerosene  Oil  may  be 
repacked,  but  when  refilling  or  repairing  of  cans  is  done,  the  above  rule  for  a 
retail  store  shall  apply.  (See  rules  16.  page  36,  and  19,  page  37.) 
POWDER. 

A  permit  may  be  granted  to  keep  in  store  an  amount  not  exceeding  50 
pounds  of  Powder  in  metal  cans,  near  the  door,  without  charge.  (See  rule 
25,  page  40.) 

*  In  a  Frame  Range,  the  above  charges  are  to  be  added  only  to  the  Basis 
Rate  of  the  building  to  be  insured,  or  containing  the  property  to  be  insured. 


[31  1 
ADD   TO  D  CLASS. 

CALIFORNIA,   CARSON  AND   RENO,   NEV. 


D   ClvASS  RANGE. 

Two  or  more  D  Class  buildings  constitute  a  Range  when  they  adjoin  each 
other,  or  when  there  is  less  than  10  feet  space  between  them  on  the  front,  rear 
or  either  side.  (See  rules  3,  page  32 ;  6,  7  and  8,  pages  33  and  34  ;  14  and  15, 
page  36.) 

TABI.E   OF  EXPOSURES. 

First  ascertain  the  proper  basis  rate,  as  per  ''Rule  for  Deter- 
mining Rate  of  Premium"  on  page  4,  and  then  to  such  basis 
rate  of  any  D  Class  building  and  its  contents  in  a  range  of  D 
Class  buildings,  add  for  every  other  building  in  the  range,  as 
follows  in  the  Table  of  Exposures  below. 

When  one  of  a  range  of  two  buildings  is  also  exposed  by  an- 
other building  within  100  feet,  add  to  its  basis  rate  the  exposure 
charge  for  such  building,  as  per  "Table  of  Exposures,"  on  page 
29,  and  also  that  for  the  other  building  of  the  range,  as  per 
Table  below. 

This  Table  applies  only  to  a  D  Class  Range, 

(See  rules  1  and  3,  page  32 ;   6,  7  and  8,  pages  33  and  34 ;  14 

and  15,  page  36.) 

For  each  D  Class  Dwelling,  Boarding-house,  Church, 
Grain  Warehouse,  Office  Building,  School-house, 
Private  Stable  or  Barn 50  cts. 

For  each  D   Class  Store,  Mixed  Occupancy*,  Lumber, 

Wood  or  Coal  Yard 75  cts. 

For  each  D  Class  Boiler,  Carpenter,  Cooper,  Machine, 
Wagon  or  Wheelwright  Shop,  Brewery,  Foundry, 
Hotel,  Laundry,  or  Wash-house,  Oil  Warehouse, 
Hack,  Omnibus,  Car,  Stage,  Hotel  or  Livery  Stable, 
water-power  Factory  or  Mill 125  cts. 

A.  For  each  D  Class  Warehouse  for  Hay,  or  Tannery ; 
B,  C  or  D  Class  steam-power  Factory  or  Mill,  other 
than  steam-power  Blind,  Box^  Door,  Furniture, 
Pail  or  Sash  Factory,  Planing  or  Saw  Mill,  or 
Distillery 200  cts. 

B.  For  each  D  Class  Theater;  B,  C  or  D  Class  steam- 
power  Blind,  Box,  Door,  Furniture,  Pail  or  Sash 
Factory,  Planing  or  Saw  Mill,  or  Distillery 400  cts. 

Note.— If  there  is  any  one  of  the  hazards  named  in  Sections  AandB,  of  the 
above  Table  of  Exposures,  situated  25  feet  or  more  distant  from  a  D  Class 
range  in  any  direction,  to  the  above  charges  for  exposures  add  also ^  the 
<:harge  for  such  exposure  for  which  the  highest  additional  rate  is  prescribed 
in  the  Table  of  Exposures  on  page  29. 

MAXIMUM    RATE. 

The  maximum  rate  for  all  buildings  not  specially  rated  shall 
l3e  10  per  cent. 

$fS^  *  Any  building  not  otherwise  specified  shall  be  treated  as  a  Store  or 
Mixed  Occupancy. 


[32  ] 

General  Rules. 


No.  1. — Dwelling  Houses. 

In  rating  a  dwelling,  an  outbuilding  (except  a  barn  or  stable) 
need  not  be  considered  as  an  exposure ;  but  a  D  Class  bam  ^or^ 
stable  must  be  charged  for  as  an  exposure  to  a  dwelling,  and  a 
D  Class  dwelling  must  be  charged  for  as  an  exposure  to  a  bam 
or  stable.  Tw^o  or  more  barns,  stables  or  outbuildings,  how- 
ever, belonging  to  the  same  premises,  need  not  be  charged  for 
as  exposures  to  each  other. 

No.  2.— Dentists,  Doctors,  Dressmakers,  etc. 

When  a  dwelling  house  which  is  principally  occupied  as  such, 
is  partly  occupied  for  doctors'  or  dentists'  offices,  dressmakers', 
milliners'  or  tailors'  workrooms,  or  for  a  cobbler's  shop,  it  may 
retain  the  basis  rate  of  a  dwelling. 

No.  3.— Brick  and  Frame  Buildings. 

When  insuring  a  brick,  stone,  iron,  adobe  or  concrete  build- 
ing, which  has  a  frame  addition  (below  the  roof),  specify  a  sep- 
arate amount  on  such  addition  and  its  contents ;  charging  on 
the  brick,  stone,  iron,  adobe  or  concrete  portion  and  contents, 
the  proper  B  or  C  Class  rate ;  and  on  the  frame  addition  and 
•contents,  D  Class  rate.  Such  frame  addition  (when  occupied  by 
the  same  person  or  firm)  need  not  be  considered  as  an  exposure 
to  the  main  building  according  to  the  Tables  of  Exposures.  Un- 
less such  specifications  are  made,  charge  the  D  Class  rate  on  the 
whole  risk. 

Provided^  however,  that  a  frame  structure  of  any  kind  (ex- 
cepting skylights,  cornices,  balustrades,  and  the  shake  roof  as 
per  following  rule  4)  attached  to  the  roof  of  a  brick,  stone,  iron, 
adobe  or  concrete  building,  shall  reduce  such  building  to  C  Class. 

No.  4. — Awnings  and  Shake  Roofs. 

A  Wooden  Awning  affixed  to  any  building  (and  a  Shake  or 
other  Wooden  Roof  over  a  metal,  slate,  tile,  brick  or  composi- 
tion roof  of  a  B  or  C  Class  building)  shall  not  be  covered  by  a 
policy  issued  on  the  building,  unless  specially  insured.  The 
rate  for  an  Awning  or  a  Shake  or  other  Wooden  roof  shall  be 
ten  per  cent,  unless  the  building  to  which  it  is  attached  shall 
rate  higher  than  ten  per  cent,  in  which  case  it  shall  take  the 
rate  of  the  building. 


[33  ] 
No.  5.— Cloth  Lining. 

The  rule  on  pages  28  and  30  is  to  be  understood  as  follows, 
viz. :  Whenever  any  part  of  a  D  Class  building,  the  basis  rate 
for  which  is  300  per  cent  or  more,  has  cloth  fastened  to  boards 
in  any  way,  or  stretched  across  studding  or  joists  on  sides  or  on 
ceilings,  papered  or  not  papered,  the  building  and  its  contents 
«hall  be  subjected  to  the  charge  for  cloth  lining  according  to 
the  tariff;  but  cloth  lining  on  side-walls  or  partitions  only, 
when  closely  stretched  on  boards,  need  not  be  charged  for  in 
other  risks.  In  any  D  Class  building,  however,  cloth  on  any 
ceiling  shall  subject  the  building,  together  with  its  contents,  to 
the  cloth  lining  charge ;  but  in  dwelling  houses  cloth  securely 
fastened  to  closely  boarded  ceilings  and  papered  over,  need  not 
be  charged  for. 

tiF  The  charges  printed  on  pages  28  and  30,  for  cloth  lining 
to  D  Class  buildings,  are  hereby  made  to  apply  also  to  adobe 
buildings,  whether  B  or  C  Class. 

No.  6.— Buildings  Occupied  for  a  Common  Purpose. 

When  two  or  more  buildings  {used  for  any  of  the  purposes 
described  in  list^  below),  adjoining  or  adjacent,  are  occupied 
by  the  same  person  or  firm  for  a  common  purpose,  so  that  the 
buildings,  although  separated,  virtually  constitute  a  single  haz- 
ard, they  need  not  be  charged  for  as  exposures  to  each  other ; 
provided,  the  highest  basis  rate  of  any  of  the  buildings  so  ad- 
joining or  adjacent  to  each  other  is  made  the  basis  rate  for  each 
one  of  said  buildings  according  to  its  class,  whether  B,  C  or  D  ; 
otherwise,  each  building  taking  its  proper  basis  rate,  in  accord- 
ance with  the  rule  on  page  4  for  determining  the  rate  of 
premium,  must  be  subject  to  the  charge  for  exposures  as  per 
the  Tables  of  Exposures  on  pages  25,  27,  29  and  31. 

*I,umber  yards, or  coal  and  wood  yards.and  their  respective  offices  and  sheds. 

Two  or  more  warehouses,  under  the  same  management,  for  storage  of  the 
«ame  class  of  property,  and  their  offices. 

Store  and  private  warehouse. 

A  private  warehouse  which  need  not  be  charged  for,  according  to  this 
rule,  as  an  exposure  to  the  store  in  connection  with  which  it  is  used,  need 
not  be  charged  for  as  an  exposure  to  any  other  building. 

Cluster  of  buildings,  forming  a  mill  or  manufacturing  establishment  (it 
being  understood  that  dwellings  and  barns,  even  if  occupied  in  connection 
with  such  mill  or  manufacturing  establishment,  must  be  regarded  as 
exposures  thereto). 

Separate  buildings,  composing  an  academy  or  school. 

Bars,  billiard  rooms  and  barber  shops  in  hotels,  and  cigar  stands  in  saloons,  need 
not  be  considered  as  separate  occupancies. 

In  case  a  B  or  C  Class  building  is  within  ten  feet  of,  or  adjoins  and  communicates 
with,  an  addition  or  another  building  (whether  B,  C  or  D  class),  both  being  occupied 
ty  one  person  or  firm,  and  all  directly  or  indirectly  opposite  or  communicating  open- 
ings are  not  provided  with  wooden  doors  two  inches  in  thickness  and  covered  with 
tin  or  galvanized  iron,  or  with  iron  doors  or  shutters  at  least  three-sixteenths  of  an 
inch  in  thickness,  the  highest  rated  occupancy  in  either,  unless  prefixed  with  a 
star  [*]  (see  rule  on  page  4),  shall  be  the  basis  rate  for  both,  according  to  their 
class,  B,  C  or  D. 

Examples :— Baker's  Stock,  with  Bakery  adjoining ;  charge  the  rate  for  "Bakeries." 
Furniture  Stock  (no  upholstering)  with  workroom  adjoining ;  charge  the  rate  for 
Furniture  Stocks,  where  upholstering  or,'  setting  up  is  done." 


[34] 
No.  7. — ^Frame  Buildings  with  Compartments. 

Bach  compartment  for  occupancy,  on  the  ground-floor  of  a  D 
<ilass  building,  having  more  than  one  such  compartment,  shall 
be  rated  as  a  separate  building,  if  provided  with  a  separate  en- 
trance from  the  street.  A  D  Class  building,  however,  having 
two  or  more  such  ground-floor  compartments,  may  be  insured 
in  a  single  sum,  at  the  rate  of  the  highest  rated  compartment  of 
«uch  building.  This  highest  rate  shall  also  be  the  rate  for  all 
the  contents  contained  in  two  or  more  compartments  of  the 
building  above  the  ground  floor,  when  such  contents  are  insured 
in  a  single  sum.  A  Lumber,  Wood  or  Coal  Yard  shall  be  classed 
as  a  D  Class  building,  and  all  the  rules  applying  to  a  D  Class 
building  apply  also  to  a  Lumber,  Wood  or  Coal  Yard. 

No.  8.— Buildings  in  Course  of  Construction. 

The  rate  for  a  building  in  course  of  construction  shall  be  ac- 
cording to  the  Rule  for  Determining  Rate  of  Premium,  on  page 
4, — foot  note  f — 

But  it  is  provided  that,  it  being  warranted  by  the  assured  that 
the  building  shall  not  be  occupied  during  the  life  of  the  Policy 
the  rate  7nay  be  the  basis  rate  of  its  Class,  as  per  Classification 
of  Buildings,  page  5,  with  exposure  charges  added;  but  this 
does  not  annul  any  rule  for  rating  frame  ranges. 

Note. — In  rating  these  risks  special  attention  is  called  to  Rule  13,  on 
page  36. 

No.  9.— 


[35 


No.  10.— Buildings  Being  Removed. 

A  D  Class  building  which,  has  been  removed,  or  is  being  re- 
moved to  a  new  location,  shall  take  the  basis  rate  and  charge  or 
charges  for  exposures  in  that  new  location. 

No.  11.— Removal  of  Property.  ^ 

In  case  of  the  removal  of  the  property  insured  to  any  other 
building,  the  increase  in  the  rate  arising  in  consequence  of  such 
removal  shall  be  collected  pro  rata  for  the  unexpired  term  of 
the  policy.  Reduction  in  rate  arising  in  consequence  of  such 
removal  shall  be  refunded  pro  rala  for  the  unexpired  term  of 
the  policy,  except  that,  where  rate  is  reduced  by  removal  of  the 
property  from  a  manufacturing  risk  of  any  kind,  the  reduction 
in  rate  in  such  case  can  only  be  made  on  the  basis  of  short  rate 
return  on  the  difference  in  rates. 

No.  12.— Long  Term  Risks. 

DWEIyl/ING  HOUSES. 

Dwellings  and  their  private  barns,  stables,  outbuildings  ^o"** 
their  contents,  and  fences  pertaining  thereto,  may  be  insured 
for  two  years  at  three-fifths  more  than  the  annual  rate,  for  three 
years  at  twice  the  annual  rate. 

OTHER    BUILDINGS. 

Academies,  bridges,  churches,  colleges,  hospitals,  seminaries, 
school-houses  and  State,  county,  city  or  town  public  buildings 
^or  their  contents,  may  be  written  for  two  years  at  three-fifths 
more  than  the  annual  rate,  and  for  three  years  at  twice  the 
annual  rate. 

Farm  dwellings  and  the  private  barns,  stables,  outbuildings 
^or  their  contents,  and  fences  pertaining  thereto,  when  not  sub- 
ject to  any  charge  for  exposure  by  other  than  farm  buildings, 
may  be  written  for  five  years  at  not  less  than  three  times  the 
annual  premium  thereon. 

No  property  of  any  description  shall  be  insured  for  a  longer 
period  than  one  year,  except  such  buildings  and  their  contents 
as  are  named  in  the  above  rule  for  Long  Term  Risks,  and  which 
come  within  the  requirements  of  said  rule. 

Note,— I^ong  Term  Risks  shall  not  be  construed  as  permitting  insurance 
for  terms  longer  than  one  year  on  Wineries,  Distilleries,  Canneries  or  Hoi> 
Kilns,  or  the  contents  of  the  same,  whether  located  on  farms  or  otherwise. 


[  36  ] 
No.  13.— Short  Term  Risks. 

A  risk  taken  for  a  period  less  than  one  year,  or  canceled  at 
the  request  of  the  assured,  shall  be  charged  for  at  the  short  rate 
of  the  annual  rate,  as  per  Short  Rate  Table,  on  page  42. 

Transfers  of  insurance  from  contents  to  building,  or  building 

to  contents,  shall  only  be  made  upon  payment  of  short  rate. 

Note.— The  suspension  for  a  time  of  a  policy  in  force  is  a  violation  of  this 
rule.    (See  page  43.) 

No.  14. — Distances  Between  Buildings. 

Distances  between  buildings  shall  be  measured  from  the  most 
contiguous  points  of  the  buildings,  or  of  any  sheds,  privies, 
awnings,  porches,  piazzas,  bay-windows,  stairways  or  additions. 
of  any  kind  attached  thereto,  except  roof  cornices,  open  plat- 
forms or  bridges. 

No.  15. — Intervening  Brick  Wall. 

If  a  brick  or  stone  building,  or  if  a  substantial  brick  or  stone 
wall  (the  latter  without  openings,  and  not  less  than  twelve 
inches  in  thickness  below  the  adjoining  roof  or  roofs,  and  ex- 
tending two  feet  above  the  adjoining  roof  or  roofs),  wholly  in- 
tervenes between  D  Class  buildings  and  all  additions  thereto,. 
the  exposure  shall  be  counted  therefrom. 

No.  16. — Permits  and  Privileges. 

Any  permit  or  privilege  granted  must  be  for  a  specific  period, 
and  the  prescribed  extra  rate  for  the  same  (if  any)  must  be 
charged  in  advance. 

No.  17.— Boarding  and  Lodging  Houses. 

A  Boarding  and  (or)  Lodg-ing  House  is  a  building  which 
is  used  for  boarding  and  (or)  lodging  purposes  by  the  day,  week 
or  month,  without  a  saloon  or  bar  therein,  and  containing  ten 
or  more  furnished  or  unfurnished  sleeping-rooms,  not  including 
those  actually  used  by  the  family  of  the  proprietor. 

No.  18.— Hotels. 

^  A  Hotel  is  a  public  house  for  the  accommodation  of  transient 
guests,  and  that  has  a  bar  or  saloon  in  the  building. 


[  37  ] 
No.  19.— Petroleum  Products  and  Gas  Machines. 

(A.)  Decline,  unconditionally,  to  permit  the  admission  into  or 
keeping  or  using  in  any  building,  or  within  twenty-five  feet  there- 
of, of  gasoline  or  any  product  of  petroleum  which  will  emit  an  in- 
flammable vapor  at  less  than  110*^Fahrenheit,exceptingas  follows: 

(B.)  The  use  of  Portable  Gasoline  Stoves,  and  stoves  to  burn 
petroleum  without  wick,  may  be  permitted  in  stores  and  dwell- 
ings ^«/y,provided  that  the  proper  additional  premium  be  paid  on 
all  policies  covering  on  building  and(or)contents(see  pages  24,26 
28,30),  and  the  following  warranty  inserted  in  all  of  said  policies: 

Permit  for  Use  of  Portable  Gasoline  Stoves. 

(C.)     '*  In  consideration  of dollars,  permission  is 

hereby  granted  for  the  use  of gasoline  stoves,  and  no 

more ;  it  being  warranted  by  the  assured  that  the  reservoir  is  to 
be  filled  during  daylight  only,  when  the  stove  is  not  in  use, 
and  that  no  artificial  light  be  permitted  in  the  room  when  the 
reservoir  is  being  filled ;  and  no  gasoline,  except  that  contained 
in  said  reservoir,  shall  be  kept  within  the  building." 

Warranty  for  Petroleum  Stoves  Without  Wicks. 

(D.)  '  'Warranted  by  the  assured  that  the  tank  or  reservoir  con- 
taining the  oil  be  not  less  than  twenty-five  feet  from  the  building. " 

CAUTION. 

The  danger  from  Gasoline  Stoves  is  not  so  much  in  themselves  as  in  hav- 
ing the  gasoline  about.  At  ordinary  temperature  gasoline  continually  gives 
off  an  inflammable  vapor ;  and  a  light  some  distance  from  it  will  ignite  it 
through  the  medium  of  this  vapor.  It  is  said  that  one  pint  of  gasoline 
WILL  IMPREGNATE  200  CUBIC  FEET  OF  AIR  and  make  it  explosive  ;  and  it 
depends  upon  the  proportion  of  air  and  vapor  whether  it  becomes  a  burning 
gas  or  destructive  explosive.  Keware  of  any  leaks  in  cans,  and  never  forget 
how  dangerous  a  material  you  are  handling.  Never  attempt  to  fill  the  stove 
reservoir  while  the  stove  is  burning,  or  if  any  other  light  is  in  the  room.  A 
little  carelessness  may  hazard  your  life  as  well  as  property. 

(E.)  Storing  or  keeping  for  sale  in  any  mercantile  building, 
or  within  twenty-five  feet  thereof,  of  not  exceeding  thirty  gal- 
lons in  all  of  gasoline  and/ or  any  product  of  petroleum  which 
will  emit  an  inflammable  vapor  at  less  than  110^  Fahrenheit 
may  be  permitted,  provided  that  the  proper  additional  premium 
be  paid  on  all  Policies  covering  on  building  and /or  contents 
(see  pages  26,  28,  30,  32),  the  following  permit  and  warranty  to 
be  inserted  in  all  of  said  Policies : 

"Permission  granted  for  the  keeping  on  the  premises  of  not  to  exceed 
thirty  gallons  of  gasoline  and/or  products  of  petroleum  which  will  emit  an 
inflammable  vapor  at  less  than  110^  Fahrenheit,  the  same  to  be  kept  in  closed 
metallic  cans,  free  from  leak :  warranted  by  the  assured  that  the  drawing  of 
gasoline  shall  be  done  by  daylight  only,  and  that  no  artificial  lights  shall  be 
permitted  in  the  rooni  where  such  gasoline  and  /  or  petroleum  product  is 
kept.  The  use  of  one  gasoline  stove  for  exhibiting  purposes  is  permitted,  it 
being  warranted  by  the  assured  that  the  reservoir  is  to  be  filled  during  day- 
light only,  when  the  stove  is  not  in  use,  and  that  no  artificial  light  be  per- 
mitted in  the  room  when  the  reservoir  is  being  filled." 

Gas  Machines. 

(F.)  Permission  for  the  use  of  a  Gasoline  Gas  Machine  may 
be  granted,  with  the  following  express  stipulation  inserted  in  the 
Policy,  viz.: 

"  \Varranted  by  the  assured,  that  gasoline  or  gasoline  material  shall  not  be 
kept  in,  or  taken  into,  the  building  insured,  or  the  contents  of  which  are  in 
sured  under  this  Policy,  and  that  the  carburetor,  generator  and  reservoir 
shall  be  located  at  least  thirty  feet  from  the  said  building" 

(0.)  Section  B,  Rule  20,  page  38,  is  not  affected  by  any  of 
the  foregoing  rules.  [Books  1,  2,  3,  4  &  4  Cal.-4.1 


[38] 
No.  20.— Writing  of  Policies. 

A.  A  Blanket  Policy,  covering  under  one  sum  separate  or 
distinct  risks  or  items  of  hazard,  is  hereby  prohibited. 

B.  A  policy  covering  the  contents  of  a  dwelling  shall  be 
written  to  cover  a  specific  amount  on  each  item  to  be  insured, 
in  form,  viz. : 

$ On  household  furniture,  useful  and  ornamental  and  family  stores. 

I On  family  wearing  apparel. 

$ On  printed  books. 

I On  silver  and  plated  ware. 

% On  pictures  and  other  works  of  art. 

Note — The  articles  described  in  italics  need  not  be  included.  None  of  the 
above  items,  other  than  those  to  be  insured,  need  be  mentioned  in  the  policy. 

C.  A  Policy  on  a  Mercantile  risk  shall,  in  all  cases,  be  written 
to  cover  a  specific  amount  on  Stock,  and  on  Store  Furniture  and 
Fixtures. 

1),  A  Policy  on  a  Manufacturing  risk  shall,  in  all  cases,  be 
written  to  cover  a  specific  amount  on  building — Engine  and 
Boiler — Other  Machinery,  Tools  and  Fixtures — or  on  machinery, 
tools  and  fixtures,  '"''engifie  and  boiler  excepted.^ '  Stock  manufac- 
tured, in  process  of  manufacture,  and  material  for  manufactur- 
ing the  same. 

E.  A  Policy  on  a  Printing,  Lithographing  or  other  similar 
establishment  shall  be  written  to  cover  a  specific  amount  on 
Engine  and  Boiler — on  Printing  Presses  and  other  fixed  and 
Movable  Machinery,  Implements,  Tools,  Furniture  and  Fix- 
tures— on  Type — on  Lithographic  Stones — on  Stock  and  Sup- 
plies, and  work  finished  and  in  process  of  completion. 

In  all  policies  covering  such  establishments,  the  following 
warranty  shall  be  inserted:  ''It  is  warranted  by  the  assured 
that  no  more  than  one  gallon  in  all,  of  naphtha  or  benzine, 
shall  be  kept  in  the  premises  at  any  time." 

EE.  A  policy  on  Electric  Light  Plants  shall  cover  a  specific 
amount  on  dynamos,  and  the  following  clause  shall  be  inserted  : 

* 'Claim  not  to  exceed  $ on  any  one  dynamo  in  case  of  loss. 

It  is  understood  that  this  Policy  does  not  cover  and  will  not  be 
liable  for  any  loss  or  damage  to  Dynamo  Machines  caused  by 
electric  current  in  them." 
written  to  cover  as  follows  : 

F.  All  Policies  covering  the  same  risk,  written  by  members 
of  this  Board,  shall  be  made  concurrent. 

O.  In  case  a  policy  has  been  irregularly  or  incorrectly  written, 
by  decision  of  a  majority  vote  of  the  members  of  the  Board 
present  at  a  regular  meeting,  it  shall  be  taken  up  and  rewritten. 

H.  Permission  for  other  insurance  shall  be  given  in  the  fol- 
lowing words,  to  wit :    "Permission  for  $. other  insurance, 

concurrent  herewith." 

!•  No  property  of  any  description  shall  be  insured  for  a 
longer  period  than  one  year  except  such  buildings  and  their 
contents  as  are  named  in  Rule  12  for  "Long  Term  Risks,"  on 
page  35,  and  which  come  within  the  requirements  of  said  rule. 


[39] 
No.  21.— Steam  Boiler  or  Steam  Power. 

Whenever,  in  the  Alphabetical  Table  of  Hazards,  a  basis  rate 
is  prescribed  for  a  hazard  including  a  charge  for  a  steam  boiler 
or  steam  power,  and  no  specific  basis  rate  is  prescribed  for  the 
same  hazard  without  steam  boiler  or  steam  power,  a  deduction 
(25  cents  from  B  and  C  Class,  and  50  cents  from  D  Class)  may- 
be made  from  the  basis  rate  of  the  former  to  determine  the 
basis  rate  of  the  latter. 

The  use  of  a  Baxter  engine  and  boiler,  or  Payne*  s  Bureka 
boiler  and  engine,  shall  not  necessitate  the  additional  charge 
for  steam  power,  and  where  the  same  only  is  used  in  risks,  rates 
of  which  {other  than  special  rates)  include  charge  for  steam 
power,  a  reduction  of  25  cents  from  B  and  C  Class,  and  50  cents 
from  D  Class  basis  rate,  may  be  made. 

No.  22.— General  Merchandise  Stock. 

A  General  Merchandise  Stock  is  one  with  which  any  tw9  or 
more  of  the  following  kinds  of  goods  are  kept  for  sale  in  con- 
nection with  other  stock  having  a  basis  rate  not  exceeding  that 
of  General  Merchandise y  viz.: 

1.  Agricultural  Implements,     5.  Furniture. 

Blinds,  Sashes  and  Doors.       6.  Groceries  and  Liquors. 

2.  Books  and  Stationery.  7.  Hardware,  Stoves  and  Tin- 

3.  Crockery,  China  and  Glass-  ware. 

ware.  8.  Paints,  Oils  and  Glass. 

4.  Drugs  and  Patent  Medicines.     9.  Toys  and  Variety  Stocks. 

No.  23.— Boot  and  Shoe  Factories. 

The  following  conditions  must  be  inserted  in  all  policies  cov- 
ering on  Boot  and  Shoe  Factory  buildings  or  their  contents,  viz. : 

''Warranted  by  the  assured  that  no  more  than  three  quarts  of 
Rubber  Cement  shall  be  kept  in  the  factory,  or  in  any  building 
connected  therewith,  or  within  twenty  feet  thereof." 

No.  24.— Chemicals. 

When  any  of  the  Chemicals  named  in  the  following  list  are 
stored  in  the  Public  Warehouses  used  for  general  storage,  the 
rate  of  insurance  on  said  warehouses  and  (or)  their  contents 
will  be  increased  one-half  of  one  per  cent  per  annum,  whenever 
the  fact  that  these  articles  are  kept  on  storage  shall  come  to  the 
knowledge  of  the  Union :  Bi-Chloride  of  Tin,  Bi-Sulphide  of 
Carbon,  Chlorate  of  Potash,  and  all  other  Chlorates,  Bthers, 
Fulminates  of  Silver  or  Mercury,  Metallic  Potassium,  Metallic 
Sodium,  Methylic  Alcohol,  Nitrate  of  Ammonia,  Nitrate  of 
Potash,  Nitrate  of  Soda,  Nitro-Benzole,  Phosphorus,  Quicklime, 
Saltpeter,  Sweet  Spirits  of  Niter. 

The  rule  prohibiting  the  storage  of  the  above-named  Chemi- 
cals in  the  public  warehouses  does  not  apply  to  such  as  are  used 
exclusively  for  the  storage  of  those  articles,  but  only  to  such  as 
are  used  for  general  storage. 


[40] 
No.  25.— Powder. 

The  keeping  of  more  than  50  pounds  of  powder  in  any  store 
shall  not  be  consented  to  by  or  on  behalf  of  any  Company  re- 
presented in  the  Board  of  Fire  Underwriters  of  the  Pacific. 

Note.— when  business  requirements  necessitate  the  keeping  of  larger 
quantities  in  stock,  the  excess  should  be  stored  in  a  magazine  building, 
conspicuously  marked  ••  Powder."  This  magazine  should  be  so  remote  from 
other  buildings  and  main  streets  as  not  to  jeopardize  life  or  property. 

It  is  urgently  recommended  that  powder  in  stores  be  kept  in 
an  air-tight  metallic  box,  to  be  also  conspicuously  marked 
**  Powder,"  and  stationed  near  an  entrance  to  the  building,  so 
as  to  be  easy  of  removal  in  the  event  of  an  alarm  of  fire. 

No.  26. — Fruit  or  other  Canning  Establishments. 

The  following  form  of  warranty  must  be  inserted  in  ai,i, 
policies  covering  on  Fruit  or  other  Canning  Establishments 
and  (or)  their  contents,  viz. : 

''Warranted  by  the  assured,  that  benzine,  naphtha,  or  other 
product  of  petroleum  (except  refined  kerosene  oil  for  lighting 
purposes),  shall  not  be  kept  or  used  on  or  in  the  premises,  either 
for  the  reduction  of  lacquer  or  for  any  other  purpose." 

Permission  fnay  be  granted  for  the  use  of  lacquer  in  Fruit 
and  other  Canning  Establishynents  without  extra  charge. 

Stock  in  Fruit  Canneries  not  in  Operation. 

stock  stored  in  fruit  cannery  buildings  may  be  insured  at 
general  warehouse  rates,  the  following  warranty  clause  being 
made  part  of  each  policy  covering  same,  viz. : 

''Warranted  by  the  assured  that  no  canning  or  packing  of 
fruit  shall  be  done  in  above-described  building  during  the  life 
of  this  policy." 


[41] 
No.  27.— Salmon  Canning  Establishments. 

The  basis  rate  for  Salmon-Canning  Establishments  in  the 
Alphabetical  Table  of  Hazards,  in  the  several  Books  of  Rates,  is 
intended  to  apply  to  those  risks  throughout  the  whole  year, 
whether  the  establishments  are  in  operation  or  not ;  and  no  re- 
turn of  premium  can  be  made  on  account  of  suspension  of  work. 


No.  29.— Watchman's  Clause. 

Form  to  be  used  whenever,  under  the  regulations  of  the  Board 
of  Fire  Underwriters  of  the  Pacific,  the  watchman  clause  is  re- 
quired to  be  inserted  in  the  policy : 

''Warranted  by  the  insured  that,  during  such  time  as  the 
within-described  Buildings  or  Works  are  idle  or  not  in  opera- 
tion, whether  closed  for  repairs,  or  during  the  absence  of  work- 
men, or  otherwise  (except  as  otherwise  herein  provided),  one  or 
more  watchmen  shall  be  on  duty  constantly,  day  and  night,  in 
and  immediately  about  the  said  Buildings  or  Works,  and,  if  the 
said  Buildings  or  Works  shall  at  any  time  remain  shut  down  for 
more  than  thirty  (30)  days,  notice  shall  be  given  this  Company, 
and  permission  to  remain  so  shut  down  be  obtained  and  en- 
dorsed hereon,  or  this  policy  shall  be  null  and  void." 

No.  30.— Patterns. 

Machine  shop  and  foundry  patterns  shall  be  insured  specifi- 
cally, and  when  the  sum  thereon  shall  exceed  ten  per  cent  of 
the  amount  of  the  policy,  the  co-insurance  clause  shall  be  added 
to  this  item  of  the  policy. 


[42] 

CaWe  of  Sftort  Rates  for  Cerms  less  tbati  a  Pear. 


Annual  Premium. 


2  days  or  less 

5  days  or  less 

10  days  or  less 

16  days  or  less 

iiO  days  or  less.... 

1  month  or  less. . 
45  days  or  less. .. . 

2  months  or  less. 
75  days  or  less 

3  months  or  less. 
i  months  or  less. 

6  months  or  less. 
C  mouths  or  less 

7  months  or  less. 

8  months  or  less. 

9  months  or  less. 

10  months  or  less. 

11  mouths  or  less. 


Cts. 
60 


Cts. 
60 


Cts. 
65 


Cts. 
70 


Cts. 
76 


Cts.  Cts. 
85    90 


Cts. 
100 


Cts. 
110 


cts. 
126 


4 
8 
13 
17 
21 
25 
Hi 


47 
CO 
63 
75 

88 
94 
88  1  00 

nil  06 

991  13 

051  19 

I 


Annual  Premium. 


2  days  or  less.. .. 

5  days  or  less.. .. 

10  days  or  less 

15  days  or  less.... 
20  days  or  less.... 

1  month  or  less. . 
46  days  or  less.... 

2  months  or  less. 
75  days  or  less.. .. 

3  months  or  less 

4  months  or  less. 

6  months  or  less 

6  months  or  less, 

7  months  or  less. 

8  months  or  less. 

9  months  or  less . 

10  months  or  less. 

11  months  or  less. 


Cts, 
160 


Cts. 
175 


6 

12 

18 

23 

29 

35 

48 

63 

66 

70 

88 

1  05 

I  23 

1  31 

1  40 

1  49 

1  68 

1  66 


Cts 
200 


Cts, 
225 


46 

62 

68 

85 

90 

1  13 

1  36 

1  58 

1 

1  80 

1  91 

2  03 
2  14 


Cts. 
260 


Cts 
275 


9 
18 
28 
37 
46 
65 
76 
83 
1 

1  10 
1  38 
1  65 

1  9« 

2  06 
2  20 
2  34 
2  48 
2  61 


Cts, 
300 


Cts. 
360 


Cts.  Cts. 
400  460 


12 

25 

36 

46 

60 

70 

98 
1  05 
1  331 
1  40  1 

1  75,2 

2  10  2 
2  45  2 
2  633 

2  BOB 
3 

3  15|3 
3  33  3 


80 


16 

32 

45 

60 

77 

90 

1  26 

I  35 

1  71 

1  80 

2  25 

2  70 

3  15 
3  38 
3  60 

3  83 

4  05 
4  29 


Cts. 
600 


17 

35 

50 

65 

85 

1  00 

140 

1  60 

1  90 

2  00 

2  50 

3  00 

3  50 
8  75 

4  00 
4  25 
4  50 
4  75 


Note.— The  rates  per  annum,  from  50  cents  to  600  cents  (or  5  per  cent.), 
arc  shown  in  the  upper  row  of  figures;  and  the  days  below  indicate  the  tariff 
from  two  days  to  eleven  months. 


[43] 


general  Resolutions. 


Suspension  of  Policies. 

The  following  resolution  was  adopted  at  a  meeting  of  the 
Board : 

Resolved^  That  the  suspension  for  a  time  of  a  policy  in  force 
is  a  plain  violation  of  Rule  No.  13,  for  Short  Term  Risks,  in 
the  several  Books  of  Rates. 

Specially  Rated  Risks. 

* '  All  the  risks  which  have  been  specially  rated  by  the  Board 
of  Fire  Underwriters  of  the  Pacific  are  subject  to  the  rules  for 
the  additional  charges  for  coal-oil,  gasoline  and  powder  per- 
mits, and  for  the  use  of  gasoline  stoves,  and  petroleum  stoves 
without  wicks,  as  found  on  pages  Nos.  24,  26,  28  and  30  of  Book 
of  Rates,  applying  to  the  locality  of  the  risk." 

Growing  Crops— Two-thirds  Loss  Clause. 

Insurance  on  growing  crops  may  be  granted  at  a  reduction  of 
ten  per  cent  from  the  rate  of  four  per  cent,  provided  the  two- 
thirds  loss  clause  shall  be  inserted  in  the  policy  as  follows,  viz. : 

' '  It  being  the  intention  of  this  Company  not  to  insure  to  the 
full  value  of  grain,  except  in  sacks,  it  is  hereby  understood,  and 
this  policy  is  issued  upon  the  express  condition,  that  in  case  of 
loss  (on  grain  hereby  insured)  this  Company  shall  not  be  liable 
for  more  than  two-thirds  the  actual  cash  marketable  value  of 
said  grain  in  the  place  and  condition  it  may  be  at  the  time  of 
the  fire  previous  to  its  being  sacked." 


San  Francisco,  September  10,  1892, 


Covering  Changes  for   Books  of  Bates,  No.  4  and 

No.  4  Cal.,  up  to  Circular  No.  165, 

Second  Series. 


ALPHABETICAL  TABLE  OF  HAZARDS. 


Circular  No.  1^4,  Second  Series. 

Page  13. 

Flumes  and  Trestles.     Irrigation 1 .  00 

Note— Policies  covering  on  flumes  and  trestles  shall  con- 
tain a  warranty  to  the  effect  that  the  insurance  shall  cover 
entire  length  of  same  and  of  equal  amount  on  each  rod. 

Insurance  may  be  written  for  annual  term  only. 

Circular  No.  137,  Second  Series. 

Page  13.  B  D 

Fruit-packing  ''^'^  Drying  Houses  without 

artificial  heat 1 .50     2.00 

For  the  privilege  of  drying  with  artificial  heat  an  addi- 
tional charge  must  be  made  of  75c.  per  $100  for  the  first 
month  or  portion  thereof,  and  25c.  per  $100  for  each  suc- 
ceeding month  or  portion  thereof. 

Note.— In  order  to  obtain  above  schedule  of  charges  the 
months  1st,  2d,  3d,  etc.,  must  be  consecutive,  otherwise 
each  month  or  portion  thereof  must  be  considered  as 
the  first  month  and  the  76c.  charge  made. 
Buildingfs  used  for  storagre  of  fruit,  where  packing:,  handling:, 

or  drying:  without  artificial  heat  is  done  at  any  time,  must  take 

basis  rate  o 

cial  heat." 


CHANGES    IN     RULES. 


Substitute  the  following  for  Section  EE,  Rule  20,  page  38: 
Circular  No.  151,  Second  Series. 

EE.  ^  Policy  on  Electric  Light  *Jy^  Power  Plants  shall  be 
written  to  cover  as  follows: 

BivKCTRic  Light  and  Power  Pi^ants. 

$ on stoiy building,  situate 

and  occupied  as  an  electric 

$ onengines,  boilers,  and  their  connections  and  settings. 

I on  machinery  (other  than  electrical),  tools,  furniture 

and  fixtures,  all  while  contained  in  above-described 

building. 

It  is  part  of  the  consideration  of  this  policy,  and  the  basis  upon 
which  the  rate  of  premium  is  fixed,  that  the  assured  shall  main- 
tain insurance  on  the  property  above  described,  to  the  extent  of 
four-fifths  of  the  actual  cash  value  thereof,  and  failing  so  to  do 
the  assured  shall  be  an  insurer  to  the  extent  of  such  deficit,  and 
in  that  event  shall  bear  a  proportion  of  any  loss.  This  clause 
shall  apply  to  each  item  above  described  separately. 

$ on  dynamos,  exciters,  lamps,  switches,  wire  and  other 

electrical  appliances,  railway  cars  and  motors,  while 
contained  in  above-described  building  or  on  the 
tracks  of  the  road. 

It  is  a  part  of  the  consideration  of  this  policy,  and  the  basis 
upon  which  the  rate  of  premium  is  fixed,  that  the  assured  shall 
maintain  insurance  on  the  property  (last)  above  described,  to 
the  extent  of  the  actual  cash  value  thereof,  and  failing  so  to  do 
the  assured  shall  be  an  insurer  to  the  extent  of  such  deficit,  and 
in  that  event  shall  bear  a  proportion  of  any  loss. 

This  insurance  does  not  cover  any  loss  or  damage  to  dynamos, 
exciters,  lamps,  switches  or  motors  caused  by  electric  current, 
whether  artificial  or  natural. 

Circular  No.  75,  Second  Series,  is  hereby  annulled. 


CHANGES    IN    RULES-Continued. 


Circular  No.  58,  Second  Series. 

Substitute  for  Rule  23,  page  39,  Boot  and  Shoe  Factories. 

Cement  Clause  for  Boot  and  Shoe  Factories. 

The  following  clause  must  be  inserted  in  all  policies  covering 
on  Boot  and  Shoe  Factory  buildings  or  their  contents,  viz: 

**The  use  of  the  Gutta  Percha  Cement,  Sole-laying  Cement, 
Oil-proof,  or  of  any  cement  containing  benzine  or  naptha, 
which  requires  heating  before  use,  is  strictly  forbidden,  and  if 
used  will  void  this  policy. 

"Consent,  however,  is  given  to  use  Rubber  Cement,  Sole- 
laying  Cement,  or  Oil-proof,  provided  the  same  is  used  cold,  and 
not  heated  in  any  building  constituting  a  risk  insured  under 
this  policy  (except  the  soles  to  which  Sole-laying  Cement  has 
been  applied  and  subsequently  dried  may  be  warmed  before  lay- 
ing) ,  and  provided  the  amount  of  any  Cement,  or  Oil-proof  allowed 
by  this  permit  on  the  premises,  at  any  one  time,  shall  not  exceed 
one  day's  supply;  and  the  manufacture  or  storage  of  either,  or 
the  materials  for  making  the  same,  is  prohibited." 


MISCELLANEOUS 


Circular  No.  9,  Second  Series. 

Mercliaiidise  in  Dwelling  Houses  and  Private  Stables. 

Rates  on  Dwelling  Houses  and  Private  Stables  *or'*  contents  do 
not  apply  to  merchandise  or  Goods  stored  in  such  Dwelling 
Houses  or  Stables.  Goods  or  Merchandise  stored  in  Dwelling 
Houses  or  Private  Stables  take  the  rate  of  its  class  as  per  tariff. 

Circular  No.  193,  May  24,  1886. 

Harvesting  Machinery  in  Field. 

The  short  rates  of  the  following  annual  rates  must  be  charged 
for  insurance  on  Harvesting  Machinery  in  the  Field. 

When  an  annual  policy  is  transferred  out  of  the  field,  at  the 
end  of  the  season,  the  short  rate  of  the  difference  between  the 
field  rate  and  the  rate  in  the  new  location  must  be  charged. 

Combined  Harvesters,  horse-power , fiOO 

Combined  Harvesters,  steam-power  (oil  fuel) 760 

Threshers,  one-half  insurance  on  engine  and  boiler 750 

Threshers,  while  outfit  under  one  sum 1000 

Circular  No.  73,  Second  Series. 

Open  Policies. 

No  property  other  than  Billiard  Tables,  Carpenters'  Tools,  Mu- 
sical Instruments,  or  Agricultural  Implement  stocks  in  hands  of 
agents ,  can  be  insured  under  Open  Policies  at  less  than  tariff  rates. 

Agricultural  Implement  Stocksxn  hands  of  agents  may  be  insured 
under  Open  Policies  at  an  annual  rate  of  not  less  than  6*  per  cent. 

Billiard  Pool  and  Bagatelle  Tables^  while  contained  in  any 
building  (theaters  and  other  places  of  amusement  and  the  factory 
or  store  of  the  assured  excepted),  may  be  specifically  insured 
under  Open  Policies  at  an  annual  rate  of  not  less  than  5  percent. 

Carpenters^  Tools,  while  contained  in  any  building  other  than 
wood-working  establishments,  may  be  specifically  insured  under 
Open  Policies  at  an  annual  rate  of  not  less  than  5  per  cent. 

Musical  Instruments,  while  contained  in  any  building  (thea- 
ters and  other  places  of  amusement  and  the  factory  or  store  of 
the  assured  excepted),  may  be  specifically  insured  under  Open 
Policies  at  an  annual  rate  of  not  less  than  l)i  per  cent. 


THIS  BOOK  IS  DUE  ON  THE  LAST  DATE 
STAMPED  BELOW 


AN  INITIAL  FINE  OF  25  CENTS 

WILL  BE  ASSESSED  FOR  FAILURE  TO  RETURN 
THIS  BOOK  ON  THE  DATE  DUE.  THE  PENALTY 
WILL  INCREASE  TO  SO  CENTS  ON  THE!  FOURTH 
DAY  AND  TO  $t.OO  ON  THE  SEVENTH  DAY 
OVERDUE. 


SEP  2 1  1984 


gfCOtO 


mR31/1'»ft»'»» 


LrD  21-100m-7,'33 


285381 


UNIVERSITY  OF  CAIvIFORNIA  LIBRARY 


